--- canonical_url: https://lendb.ai/lo/marco-melo-12696 json_url: https://lendb.ai/lo/marco-melo-12696.json nmls_id: 12696 last_verified: 2026-10-09 --- # Marco Melo Senior Loan Officer at Embrace Home Loans, Middletown, RI. NMLS ID 12696 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/12696)). **Summary:** Marco Melo (NMLS 12696) is Senior Loan Officer at Embrace Home Loans, based in Middletown, RI. Licensed in 3 states confirmed with state regulators: Florida, Colorado and Pennsylvania. Also lists Alabama, Arkansas, Arizona, California, Connecticut, District of Columbia, Delaware, Georgia and 18 more on the lender page (not yet checked with the state regulator). Licensed since 2010 (per Colorado records). States 25 years of experience. Last verified 2026-10-09. ## At a glance - Licensed since 2010 (per Colorado records). This is license history on file, not total experience. - Years experience (stated by the LO): 25 (source: https://www.embracehomeloans.com/location/rhode-island/middletown/marco-melo, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Connecticut (CT, lender_reported), District of Columbia (DC, lender_reported), Delaware (DE, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Massachusetts (MA, lender_reported), Maryland (MD, lender_reported), Maine (ME, lender_reported), North Carolina (NC, lender_reported), New Hampshire (NH, lender_reported), New Jersey (NJ, lender_reported), New York (NY, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Oregon (OR, lender_reported), Rhode Island (RI, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Virginia (VA, lender_reported), Washington (WA, lender_reported) - 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 - Profile: unclaimed - Status: active ## Specialties ## About Marco has over 25 years in the mortgage industry and has helped more than 2,000 families achieve homeownership. He emphasizes personalized advice and long-term client relationships. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 25. Source: https://www.embracehomeloans.com/location/rhode-island/middletown/marco-melo, verified 2026-10-09. - other: Has helped more than 2,000 families secure financing. Source: https://www.embracehomeloans.com/location/rhode-island/middletown/marco-melo, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO5989 | active | confirmed | 2011-04-28 | state_regulator | 2026-10-09 | | CO | state_license | 100032611 | active | confirmed | 2010-08-08 | state_regulator | 2026-10-10 | | PA | state_license | 21540 | active | confirmed | | state_regulator | 2026-10-10 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | DC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | DE | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ME | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NJ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | RI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: Embrace Home Loans (NMLS 2184), Middletown, RI. Source: https://www.embracehomeloans.com/location/rhode-island/middletown/marco-melo, 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/12696 ## Contact - View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/rhode-island/middletown/marco-melo - Office phone and Email on file: shown at https://lendb.ai/lo/marco-melo-12696#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/12696 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=139472&contact=35265 - state_regulator: https://data.pa.gov/d/tyxc-jyug - lender_site: https://www.embracehomeloans.com/location/rhode-island/middletown/marco-melo Cite as: Marco Melo (NMLS 12696), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/marco-melo-12696, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._