--- canonical_url: https://lendb.ai/lo/ann-young-740181 json_url: https://lendb.ai/lo/ann-young-740181.json nmls_id: 740181 last_verified: 2026-10-16 --- # Ann Kelly Young Senior Mortgage Banker at Bell Bank, Winter Park, FL. NMLS ID 740181 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/740181)). Ann Kelly Young (NMLS 740181) is a Senior Mortgage Banker at Bell Bank in Winter Park, Florida. Ann's own profile lists jumbo loan, physician and medical professional and FHA loan as a focus. **Summary:** Ann Kelly Young (NMLS 740181) is Senior Mortgage Banker at Bell Bank, based in Winter Park, FL. 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: Jumbo loan, Physician and medical professional, FHA loan, USDA loan and VA loan. Earliest state license record: November 13, 2012 (Florida), per state regulator. Last verified 2026-10-16. ## Quick answers ### Is Ann licensed? Ann 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 Ann do jumbo loans? Ann's profile lists jumbo loan as a focus (from their lender profile page). It also lists physician and medical professional, FHA loan and USDA loan. Source: https://bell.bank/mortgage/loan-officer/annkellyyoung. ### What lender does Ann work for? Bell Bank, company NMLS 419538, from the Winter Park, FL office, per the lender's own site (verified 2026-10-16). Source: https://bell.bank/mortgage/loan-officer/annkellyyoung. ### How long has Ann been licensed? The earliest state license record LenDb holds for Ann is from November 13, 2012 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ## At a glance - Earliest state license record: November 13, 2012 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - 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) - **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/annkellyyoung - **Physician and medical professional** (`physician`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/annkellyyoung - **FHA loan** (`fha`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/annkellyyoung - **USDA loan** (`usda`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/annkellyyoung - **VA loan** (`va`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/annkellyyoung - **Construction loan** (`construction`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/annkellyyoung - **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/annkellyyoung ## Facts from the lender page and intro - education: Bachelor's degrees in Journalism and Communicative Disorders from the University of Central Florida. Source: https://bell.bank/mortgage/loan-officer/annkellyyoung, verified 2026-10-16. - community: Junior League of Greater Orlando Sustainer. Source: https://bell.bank/mortgage/loan-officer/annkellyyoung, verified 2026-10-16. - community: Leadership Winter Park Class XXVIII. Source: https://bell.bank/mortgage/loan-officer/annkellyyoung, verified 2026-10-16. - community: UCF Town & Gown. Source: https://bell.bank/mortgage/loan-officer/annkellyyoung, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO17060 | expired | confirmed | 2012-11-13 | state_regulator | 2026-10-15 | ## Employment history - ? to present: Bell Bank (NMLS 419538), Winter Park, FL. Source: https://bell.bank/mortgage/loan-officer/annkellyyoung, 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/740181 ## Contact - View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/annkellyyoung - Email on file: shown at https://lendb.ai/lo/ann-young-740181#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/740181 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - lender_site: https://bell.bank/mortgage/loan-officer/annkellyyoung Cite as: Ann Kelly Young (NMLS 740181), Bell Bank. LenDb.ai, https://lendb.ai/lo/ann-young-740181, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._