--- canonical_url: https://lendb.ai/lo/michelle-carrasco-931224 json_url: https://lendb.ai/lo/michelle-carrasco-931224.json nmls_id: 931224 last_verified: 2026-10-26 --- # Michelle M. Carrasco Community Lending Officer at The Washington Trust Company, of Westerly, Warwick, RI. NMLS ID 931224 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/931224)). Michelle M. Carrasco (NMLS 931224) is a Community Lending Officer at The Washington Trust Company, of Westerly in Warwick, Rhode Island. Michelle's own profile lists first-time buyer as a focus, and Michelle speaks English and Spanish. **Summary:** Michelle M. Carrasco (NMLS 931224) is Community Lending Officer at The Washington Trust Company, of Westerly, based in Warwick, RI. 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: First-time buyer. Speaks English and Spanish. Earliest state license record: March 9, 2020 (Florida), per state regulator. Last verified 2026-10-26. ## Quick answers ### Is Michelle licensed? Michelle 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 Michelle list first-time buyer as a focus? Michelle's profile lists first-time buyer as a focus (from their lender profile page). Source: https://www.washtrust.com/application/michelle-m-carrasco. ### What lender does Michelle work for? The Washington Trust Company, of Westerly, company NMLS 414726, from the Warwick, RI office, per the lender's own site (verified 2026-10-26). Source: https://www.washtrust.com/application/michelle-m-carrasco. ### What languages does Michelle speak? English and Spanish, per their lender page (verified 2026-10-26). Source: https://www.washtrust.com/application/michelle-m-carrasco. ### How long has Michelle been licensed? The earliest state license record LenDb holds for Michelle is from March 9, 2020 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ## At a glance - Earliest state license record: March 9, 2020 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or 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: English, Spanish (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) - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.80, verified 2026-10-26. Source: https://www.washtrust.com/application/michelle-m-carrasco ## Facts from the lender page and intro - education: Master's degree, Johnson and Wales University. Source: https://www.washtrust.com/application/michelle-m-carrasco, verified 2026-10-26. - education: Bachelor's degree, Bryant University. Source: https://www.washtrust.com/application/michelle-m-carrasco, verified 2026-10-26. - role: Senior Mortgage Loan Officer at Total Mortgage (prior role). Source: https://www.washtrust.com/application/michelle-m-carrasco, verified 2026-10-26. - community: Actively engaged in the communities Washington Trust serves. Source: https://www.washtrust.com/application/michelle-m-carrasco, verified 2026-10-26. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO68706 | expired | confirmed | 2020-03-09 | state_regulator | 2026-10-15 | ## Employment history - ? to present: The Washington Trust Company, of Westerly (NMLS 414726), Warwick, RI. Source: https://www.washtrust.com/application/michelle-m-carrasco, verified 2026-10-26. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/931224 ## Contact - View profile at The Washington Trust Company, of Westerly: https://www.washtrust.com/application/michelle-m-carrasco - Office phone and Email on file: shown at https://lendb.ai/lo/michelle-carrasco-931224#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/931224 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - lender_site: https://www.washtrust.com/application/michelle-m-carrasco Cite as: Michelle M. Carrasco (NMLS 931224), The Washington Trust Company, of Westerly. LenDb.ai, https://lendb.ai/lo/michelle-carrasco-931224, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._