{
  "canonical_url": "https://lendb.ai/lo/haiying-zhang-832150",
  "loan_officer": {
    "nmls_id": 832150,
    "slug": "haiying-zhang-832150",
    "canonical_url": "https://lendb.ai/lo/haiying-zhang-832150",
    "md_url": "https://lendb.ai/lo/haiying-zhang-832150.md",
    "json_url": "https://lendb.ai/lo/haiying-zhang-832150.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/832150",
    "full_name": {
      "value": "Haiying Zhang",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans",
      "verified_at": "2026-10-26"
    },
    "first_name": "Haiying",
    "last_name": "Zhang",
    "headshot_url": {
      "value": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/haiying-zhang/haiying-zhang-profile-image.png?h=108&iar=0&w=108",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans",
      "verified_at": "2026-10-26"
    },
    "bio": null,
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans",
      "verified_at": "2026-10-26"
    },
    "languages": {
      "value": [
        "en",
        "zh"
      ],
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans",
      "verified_at": "2026-10-26"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 419538,
      "lender_name": "Bell Bank",
      "lender_slug": "bell-bank-419538",
      "branch_city": "Madison",
      "branch_state": "WI",
      "branch_zip": "53719",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans",
      "verified_at": "2026-10-26"
    },
    "employment_history": [
      {
        "lender_nmls_id": 419538,
        "lender_name": "Bell Bank",
        "lender_slug": "bell-bank-419538",
        "branch_city": "Madison",
        "branch_state": "WI",
        "branch_zip": "53719",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans",
        "verified_at": "2026-10-26"
      }
    ],
    "licenses": [
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "832150",
        "status": "expired",
        "issued_at": "2017-01-17",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      }
    ],
    "specialties": [
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "new-construction",
        "label": "New construction",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2013",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "community",
        "value": "Volunteers in her community",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans",
        "verified_at": "2026-10-26"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 11:43:17.064969+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/haiying-zhang-832150#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans",
      "verified_at": "2026-10-26"
    },
    "earliest_license_record": {
      "date": "2017-01-17",
      "state": "WI"
    },
    "licensed_since": {
      "year": 2017,
      "state": "WI"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}