--- canonical_url: https://lendb.ai/lo/melissa-caci-173535 json_url: https://lendb.ai/lo/melissa-caci-173535.json nmls_id: 173535 last_verified: 2026-10-16 --- # Melissa Caci AVP, Mortgage Loan Officer at Bangor Savings Bank, Andover, MA. NMLS ID 173535 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/173535)). Based in Andover, Massachusetts, Melissa Caci (NMLS 173535) is a mortgage loan officer at Bangor Savings Bank. **Summary:** Melissa Caci (NMLS 173535) is AVP, Mortgage Loan Officer at Bangor Savings Bank, based in Andover, MA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. States 25 years of experience. Last verified 2026-10-16. ## Quick answers ### Is Melissa licensed? Melissa 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. ### What lender does Melissa work for? Bangor Savings Bank, company NMLS 449200, from the Andover, MA office, per the lender's own site (verified 2026-10-16). Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/. ### How much experience does Melissa have? Melissa states 25 years of experience. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/. ## 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): 25 (source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/, 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) - None on file yet. ## About Melissa Caci is an AVP and Mortgage Loan Officer in Andover, MA. They have nearly 25 years in the mortgage business, including work as a Loan Originator and Branch Manager, and serve Andover and the Greater Boston area. Their profile notes a ranking among the top 1% of originators nationwide, per Mortgage Executive Magazine. Source: LenDb summary of the lender page, verified 2026-10-16. ## Facts from the lender page and intro - years_experience: 25. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/, verified 2026-10-16. - role: Loan Originator and Branch Manager. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/, verified 2026-10-16. - credential: Top 1% of Originators nationwide by Mortgage Executive Magazine. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/, verified 2026-10-16. - credential: Top 100 list for NAMMBA. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/, verified 2026-10-16. - credential: Scotsman Guide Top Originators rankings. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/, verified 2026-10-16. - service_area: Andover, MA and surrounding areas including Greater Boston, Middlesex, Essex, and Suffolk counties. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| ## Employment history - ? to present: Bangor Savings Bank (NMLS 449200), Andover, MA. Source: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/, 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/173535 ## Contact - View profile at Bangor Savings Bank: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/ - Office phone and Email on file: shown at https://lendb.ai/lo/melissa-caci-173535#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/173535 - lender_site: https://www.bangor.com/personal-banking/borrowing/mortgages/find-a-mortgage-lender/melissa-caci/ Cite as: Melissa Caci (NMLS 173535), Bangor Savings Bank. LenDb.ai, https://lendb.ai/lo/melissa-caci-173535, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._