--- canonical_url: https://lendb.ai/lo/roger-odoardi-12906 json_url: https://lendb.ai/lo/roger-odoardi-12906.json nmls_id: 12906 last_verified: 2026-10-26 --- # Roger Odoardi Partner | Loan Officer at Blue Water Mortgage, LLC. NMLS ID 12906 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/12906)). Roger Odoardi (NMLS 12906) is a mortgage loan officer at Blue Water Mortgage, LLC, licensed in Florida since 2018 and in Connecticut and Massachusetts. Roger's focus, from their own profile, includes first-time buyer, construction loan and HELOC. **Summary:** Roger Odoardi (NMLS 12906) is Partner | Loan Officer at Blue Water Mortgage, LLC. Licensed in 3 states confirmed with state regulators: Florida, Connecticut and Massachusetts. Also lists Maine, North Carolina, New Hampshire, Rhode Island, South Carolina and Vermont on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer, Construction loan, HELOC, Refinance and Reverse mortgage. Earliest state license record: May 21, 2018 (Florida), per state regulator. Last verified 2026-10-26. ## Quick answers ### Is Roger licensed in Florida? Yes. Florida regulator records list license LO53601 as active, first effective May 21, 2018 (verified 2026-10-15). LenDb has 8 other states on file for Roger. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ### Does Roger list first-time buyer as a focus? Roger's profile lists first-time buyer as a focus (from their lender profile page). It also lists construction loan, HELOC and refinance. Source: https://bluewatermtg.com/our-team/roger-odoardi. ### What lender does Roger work for? Blue Water Mortgage, LLC, company NMLS 1291, per the lender's own site (verified 2026-10-15). Source: https://bluewatermtg.com/our-team/roger-odoardi/. ### How long has Roger been licensed? The earliest state license record LenDb holds for Roger is from May 21, 2018 (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_JR_Monthly.zip. ## At a glance - Earliest state license record: May 21, 2018 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Roger V. Odoardi (CT, FL, MA, as of 2026-10-26) - Licensed in: Florida (FL, confirmed), Connecticut (CT, confirmed), Massachusetts (MA, confirmed), Maine (ME, lender_reported), North Carolina (NC, lender_reported), New Hampshire (NH, lender_reported), Rhode Island (RI, lender_reported), South Carolina (SC, lender_reported), Vermont (VT, 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 (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 0.90, verified 2026-10-26. Source: https://bluewatermtg.com/our-team/roger-odoardi - **Construction loan** (`construction`): from their lender profile page, confidence 0.85, verified 2026-10-26. Source: https://bluewatermtg.com/our-team/roger-odoardi - **HELOC** (`heloc`): from their lender profile page, confidence 0.85, verified 2026-10-26. Source: https://bluewatermtg.com/our-team/roger-odoardi - **Refinance** (`refinance`): from their lender profile page, confidence 0.85, verified 2026-10-26. Source: https://bluewatermtg.com/our-team/roger-odoardi - **Reverse mortgage** (`reverse`): from their lender profile page, confidence 0.85, verified 2026-10-26. Source: https://bluewatermtg.com/our-team/roger-odoardi ## About Roger Odoardi is a Partner and Loan Officer licensed in NH, MA, ME, VT, RI, CT, NC, SC and FL. They specialize in reverse mortgages, construction loans, home equity lines of credit, refinancing, first-time buyers and move-up buyers. Source: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - service_area: New England and the Southeast. Source: https://bluewatermtg.com/our-team/roger-odoardi/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO53601 | active | confirmed | 2018-05-21 | state_regulator | 2026-10-15 | | CT | Connecticut regulator | state_license | LO-12906 | active | confirmed | | state_regulator | 2026-10-15 | | MA | Massachusetts regulator | state_license | MLO12906 | active | confirmed | | state_regulator | 2026-10-26 | | ME | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | NC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | NH | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | RI | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | SC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | VT | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Blue Water Mortgage, LLC (NMLS 1291). Source: https://bluewatermtg.com/our-team/roger-odoardi/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/12906 ## Contact - linkedin_url: https://www.linkedin.com/in/rogerodoardi/ (source: lender_site, verified 2026-10-15) - View profile at Blue Water Mortgage, LLC: https://bluewatermtg.com/our-team/roger-odoardi/ - Office phone and Email on file: shown at https://lendb.ai/lo/roger-odoardi-12906#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/12906 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees - lender_site: https://bluewatermtg.com/our-team/roger-odoardi/ - lender_site: https://bluewatermtg.com/our-team/roger-odoardi Cite as: Roger Odoardi (NMLS 12906), Blue Water Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/roger-odoardi-12906, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._