{
  "canonical_url": "https://lendb.ai/lo/andy-miller-281591",
  "lede": {
    "text": "Based in West Bend, Wisconsin, Andy Miller (NMLS 281591) is a Senior Mortgage Loan Officer at Bell Bank. Andy's focus, from their own profile, includes HELOC, physician and medical professional and renovation loan (203k / HomeStyle).",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Andy licensed?",
      "a": "Andy works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-16"
    },
    {
      "q": "Does Andy do HELOCs?",
      "a": "Andy's profile lists HELOC as a focus (from their lender profile page). It also lists physician and medical professional, renovation loan (203k / HomeStyle) and FHA loan.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Andy work for?",
      "a": "Bell Bank, company NMLS 419538, from the West Bend, WI office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How long has Andy been licensed?",
      "a": "The earliest state license record LenDb holds for Andy is from November 10, 1988 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Wisconsin state regulator",
      "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
      "verified_at": "2026-10-21"
    }
  ],
  "field_notes": {
    "languages": "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."
  },
  "loan_officer": {
    "nmls_id": 281591,
    "slug": "andy-miller-281591",
    "canonical_url": "https://lendb.ai/lo/andy-miller-281591",
    "md_url": "https://lendb.ai/lo/andy-miller-281591.md",
    "json_url": "https://lendb.ai/lo/andy-miller-281591.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/281591",
    "full_name": {
      "value": "Andy Miller",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
      "verified_at": "2026-10-16"
    },
    "first_name": "Andy",
    "last_name": "Miller",
    "licensed_names": [
      {
        "name": "Andrew Miller",
        "name_with_middle_initial": null,
        "first_name": "Andrew",
        "middle_initial": null,
        "last_name": "Miller",
        "states": [
          "WI"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-21"
      }
    ],
    "headshot_url": {
      "value": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/andy-miller/profile-images-m_miller_andy.png?h=108&iar=0&w=108",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
      "verified_at": "2026-10-16"
    },
    "bio": null,
    "title": {
      "value": "Senior Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 419538,
      "lender_name": "Bell Bank",
      "lender_slug": "bell-bank-419538",
      "branch_city": "West Bend",
      "branch_state": "WI",
      "branch_zip": "53095",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 419538,
        "lender_name": "Bell Bank",
        "lender_slug": "bell-bank-419538",
        "branch_city": "West Bend",
        "branch_state": "WI",
        "branch_zip": "53095",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "33859",
        "status": "expired",
        "issued_at": "1988-11-10",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      }
    ],
    "specialties": [
      {
        "slug": "heloc",
        "label": "HELOC",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "physician",
        "label": "Physician and medical professional",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.69,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.69,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.69,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "construction",
        "label": "Construction loan",
        "evidence": "lender_page_text",
        "confidence": 0.58,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "evidence": "lender_page_text",
        "confidence": 0.5,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/andrew-miller-58973814/",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
        "verified_at": "2026-10-16"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 1987",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "all of Wisconsin",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Previous Five Star Professional",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Member of Bell Presidents Club",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Board member of a non-profit conservation organization promoting wildlife safety in Wisconsin",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Youth soccer and basketball coach",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/homeloansbyandy",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-21 14:57:59.133113+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/andy-miller-281591#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/homeloansbyandy",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "1988-11-10",
      "state": "WI"
    },
    "licensed_since": {
      "year": 1988,
      "state": "WI"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}