---
canonical_url: https://lendb.ai/lo/veronica-amato-1048370
json_url: https://lendb.ai/lo/veronica-amato-1048370.json
nmls_id: 1048370
last_verified: 2026-10-17
---

# Veronica Amato

Senior Mortgage Advisor - Bilingual (English, Spanish) at Farmers & Merchants Bank (VA), Harrisonburg, VA. NMLS ID 1048370 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1048370)).

Veronica Amato (NMLS 1048370) is a mortgage loan officer at Farmers & Merchants Bank (VA) in Harrisonburg, Virginia. Veronica's own profile lists first-time buyer as a focus, and Veronica speaks English and Spanish.

**Summary:** Veronica Amato (NMLS 1048370) is Senior Mortgage Advisor - Bilingual (English, Spanish) at Farmers & Merchants Bank (VA), based in Harrisonburg, VA. 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. States 11 years of experience. Last verified 2026-10-17.

## Quick answers

### Is Veronica licensed?

Veronica 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 Veronica list first-time buyer as a focus?

Veronica's profile lists first-time buyer as a focus (from their bio). Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato.

### What lender does Veronica work for?

Farmers & Merchants Bank (VA), company NMLS 414464, from the Harrisonburg, VA office, per the lender's own site (verified 2026-10-17). Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato.

### What languages does Veronica speak?

English and Spanish, per their lender page (verified 2026-10-17). Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato.

### How much experience does Veronica have?

Veronica states 11 years of experience. Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato.

## 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): 11 (source: https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato, verified 2026-10-17)
- 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 bio (lender page), confidence 0.70, verified 2026-10-26. Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato

## Facts from the lender page and intro

- years_experience: 11. Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato, verified 2026-10-17.
- service_area: Bridgewater. Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato, verified 2026-10-17.
- service_area: Harrisonburg. Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato, verified 2026-10-17.
- service_area: Rockingham County. Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato, verified 2026-10-17.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Farmers & Merchants Bank (VA) (NMLS 414464), Harrisonburg, VA. Source: https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato, verified 2026-10-17.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1048370

## Contact

- View profile at Farmers & Merchants Bank (VA): https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato
- Office phone and Email on file: shown at https://lendb.ai/lo/veronica-amato-1048370#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1048370
- lender_site: https://www.fmbankva.com/mortgage/schedule-an-appointment/veronica-amato

Cite as: Veronica Amato (NMLS 1048370), Farmers & Merchants Bank (VA). LenDb.ai, https://lendb.ai/lo/veronica-amato-1048370, last verified 2026-10-17.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._