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When i searched for Andrena species in NE US, I ran across this Cellophane Bee, Colletes inaequalis which looks a lot like what I can see of your pic...
Pollen collection seems to be easy for this bee. I have a few bee houses and some holes are covered with flower petals and foliage. I'm going to have to guess leaf-cutting bee. Thanks for all your help.
Flapdoodle is right, that bee is in the family Megachilidae, the leaf cutting bees. (definitely not an Andrena or a Colletes). Megachilids are the only bees that carry their pollen load underneath their abdomen, rather than on their hind legs.
