--- canonical_url: https://lendb.ai/lo/justin-murray-2820954 json_url: https://lendb.ai/lo/justin-murray-2820954.json nmls_id: 2820954 last_verified: 2026-10-16 --- # Justin Murray AVP, Mortgage Loan Officer at Bangor Savings Bank, Winslow, ME. NMLS ID 2820954 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2820954)). Based in Winslow, Maine, Justin Murray (NMLS 2820954) is a mortgage loan officer at Bangor Savings Bank. Justin's focus, from their own profile, includes down payment assistance and first-time buyer. **Summary:** Justin Murray (NMLS 2820954) is AVP, Mortgage Loan Officer at Bangor Savings Bank, based in Winslow, ME. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: Down payment assistance and First-time buyer. States 9 years of experience. Last verified 2026-10-16. ## Quick answers ### Is Justin licensed? Justin works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access. Source: employer type in LenDb's lender registry. ### Does Justin do down payment assistance? Justin's profile lists down payment assistance as a focus (from their lender profile page). It also lists first-time buyer. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/justin-murray/. ### What lender does Justin work for? Bangor Savings Bank, company NMLS 449200, from the Winslow, ME office, per the lender's own site (verified 2026-10-16). Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/justin-murray/. ### How much experience does Justin have? Justin states 9 years of experience. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/justin-murray/. ## At a glance - Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 9 (source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/justin-murray/, verified 2026-10-16) - 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: not listed (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **Down payment assistance** (`down-payment-assistance`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/justin-murray/ - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/justin-murray/ ## About Justin Murray is an AVP and Mortgage Loan Officer based in Winslow, ME. They have worked in mortgage lending and operations for 9 years. They state extensive expertise in government loans, first-time buyer programs and down payment assistance. Source: LenDb summary of the lender page, verified 2026-10-16. ## Facts from the lender page and intro - service_area: Farmington, Madison, Skowhegan and Central Maine. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/justin-murray/, verified 2026-10-16. - years_experience: 9+. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/justin-murray/, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| ## Employment history - ? to present: Bangor Savings Bank (NMLS 449200), Winslow, ME. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/justin-murray/, verified 2026-10-16. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2820954 ## Contact - View profile at Bangor Savings Bank: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/justin-murray/ - Office phone and Email on file: shown at https://lendb.ai/lo/justin-murray-2820954#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2820954 - lender_site: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/justin-murray/ Cite as: Justin Murray (NMLS 2820954), Bangor Savings Bank. LenDb.ai, https://lendb.ai/lo/justin-murray-2820954, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._