---
canonical_url: https://lendb.ai/lo/julia-melkova-560109
json_url: https://lendb.ai/lo/julia-melkova-560109.json
nmls_id: 560109
last_verified: 2026-10-09
---

# Julia Melkova

Community Lending Officer, Vice President at Bank of America, Buffalo Grove, IL. NMLS ID 560109 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/560109)).

**Summary:** Julia Melkova (NMLS 560109) is Community Lending Officer, Vice President at Bank of America, based in Buffalo Grove, IL. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Speaks Russian. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: Russian
- Profile: unclaimed
- Status: active

## Specialties


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Bank of America (NMLS 399802), Buffalo Grove, IL. Source: https://mortgage.bankofamerica.com/juliamelkova, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/560109

## Contact

- View profile at Bank of America: https://mortgage.bankofamerica.com/juliamelkova
- Office phone on file: shown at https://lendb.ai/lo/julia-melkova-560109#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/560109
- lender_site: https://mortgage.bankofamerica.com/juliamelkova

Cite as: Julia Melkova (NMLS 560109), Bank of America. LenDb.ai, https://lendb.ai/lo/julia-melkova-560109, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._