--- canonical_url: https://lendb.ai/lo/andy-miller-281591 json_url: https://lendb.ai/lo/andy-miller-281591.json nmls_id: 281591 last_verified: 2026-10-16 --- # Andy Miller Senior Mortgage Loan Officer at Bell Bank, West Bend, WI. NMLS ID 281591 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/281591)). 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). **Summary:** Andy Miller (NMLS 281591) is Senior Mortgage Loan Officer at Bell Bank, based in West Bend, WI. 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: HELOC, Physician and medical professional, Renovation loan (203k / HomeStyle), FHA loan and USDA loan. Earliest state license record: November 10, 1988 (Wisconsin), per state regulator. Last verified 2026-10-16. ## Quick answers ### Is Andy licensed? Andy 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 Andy do HELOCs? 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. Source: https://bell.bank/mortgage/loan-officer/homeloansbyandy. ### What lender does Andy work for? Bell Bank, company NMLS 419538, from the West Bend, WI office, per the lender's own site (verified 2026-10-16). Source: https://bell.bank/mortgage/loan-officer/homeloansbyandy. ### How long has Andy been licensed? 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. Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/. ## At a glance - Earliest state license record: November 10, 1988 (Wisconsin), 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): Andrew Miller (WI, as of 2026-10-21) - 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: 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) - **HELOC** (`heloc`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/homeloansbyandy - **Physician and medical professional** (`physician`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/homeloansbyandy - **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/homeloansbyandy - **FHA loan** (`fha`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/homeloansbyandy - **USDA loan** (`usda`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/homeloansbyandy - **VA loan** (`va`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/homeloansbyandy - **Construction loan** (`construction`): from their lender profile page, confidence 0.58, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/homeloansbyandy - **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.50, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/homeloansbyandy ## Facts from the lender page and intro - years_experience: since 1987. Source: https://bell.bank/mortgage/loan-officer/homeloansbyandy, verified 2026-10-16. - service_area: all of Wisconsin. Source: https://bell.bank/mortgage/loan-officer/homeloansbyandy, verified 2026-10-16. - credential: Previous Five Star Professional. Source: https://bell.bank/mortgage/loan-officer/homeloansbyandy, verified 2026-10-16. - credential: Member of Bell Presidents Club. Source: https://bell.bank/mortgage/loan-officer/homeloansbyandy, verified 2026-10-16. - community: Board member of a non-profit conservation organization promoting wildlife safety in Wisconsin. Source: https://bell.bank/mortgage/loan-officer/homeloansbyandy, verified 2026-10-16. - community: Youth soccer and basketball coach. Source: https://bell.bank/mortgage/loan-officer/homeloansbyandy, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | WI | Wisconsin regulator | state_license | 33859 | expired | confirmed | 1988-11-10 | state_regulator | 2026-10-21 | ## Employment history - ? to present: Bell Bank (NMLS 419538), West Bend, WI. Source: https://bell.bank/mortgage/loan-officer/homeloansbyandy, verified 2026-10-16. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/281591 ## Contact - linkedin_url: https://www.linkedin.com/in/andrew-miller-58973814/ (source: lender_site, verified 2026-10-16) - View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/homeloansbyandy - Office phone and Email on file: shown at https://lendb.ai/lo/andy-miller-281591#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/281591 - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - lender_site: https://bell.bank/mortgage/loan-officer/homeloansbyandy Cite as: Andy Miller (NMLS 281591), Bell Bank. LenDb.ai, https://lendb.ai/lo/andy-miller-281591, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._