---
canonical_url: https://lendb.ai/lo/annette-alvarez-296002
json_url: https://lendb.ai/lo/annette-alvarez-296002.json
nmls_id: 296002
last_verified: 2026-10-16
---

# Annette Alvarez

Mortgage Loan Officer at Bell Bank, Santa Fe, NM. NMLS ID 296002 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/296002)).

Annette Alvarez (NMLS 296002) is a Mortgage Loan Officer at Bell Bank in Santa Fe, New Mexico. Annette's own profile lists physician and medical professional, construction loan and renovation loan (203k / HomeStyle) as a focus.

**Summary:** Annette Alvarez (NMLS 296002) is Mortgage Loan Officer at Bell Bank, based in Santa Fe, NM. 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: Physician and medical professional, Construction loan, Renovation loan (203k / HomeStyle) and First-time buyer. Last verified 2026-10-16.

## Quick answers

### Is Annette licensed?

Annette 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 Annette list physician and medical professional as a focus?

Annette's profile lists physician and medical professional as a focus (from their lender profile page). It also lists construction loan, renovation loan (203k / HomeStyle) and first-time buyer. Source: https://bell.bank/mortgage/loan-officer/lendwithalvarez.

### What lender does Annette work for?

Bell Bank, company NMLS 419538, from the Santa Fe, NM office, per the lender's own site (verified 2026-10-16). Source: https://bell.bank/mortgage/loan-officer/lendwithalvarez.

## At a glance

- Earliest state license record: none on file. 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)

- **Physician and medical professional** (`physician`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/lendwithalvarez
- **Construction loan** (`construction`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/lendwithalvarez
- **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/lendwithalvarez
- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.45, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/lendwithalvarez

## Facts from the lender page and intro

- service_area: New Mexico-based. Source: https://bell.bank/mortgage/loan-officer/lendwithalvarez, verified 2026-10-16.
- credential: President's Club 2020, 2021. Source: https://bell.bank/mortgage/loan-officer/lendwithalvarez, verified 2026-10-16.
- credential: MFA Silver Award. Source: https://bell.bank/mortgage/loan-officer/lendwithalvarez, verified 2026-10-16.
- community: SFAR A-Team affiliate. Source: https://bell.bank/mortgage/loan-officer/lendwithalvarez, verified 2026-10-16.
- community: Los Alamos Chamber of Commerce. Source: https://bell.bank/mortgage/loan-officer/lendwithalvarez, verified 2026-10-16.
- community: Santa Fe Chamber of Commerce. Source: https://bell.bank/mortgage/loan-officer/lendwithalvarez, verified 2026-10-16.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Bell Bank (NMLS 419538), Santa Fe, NM. Source: https://bell.bank/mortgage/loan-officer/lendwithalvarez, 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/296002

## Contact

- linkedin_url: https://www.linkedin.com/in/annette-alvarez-39a81b175/ (source: lender_site, verified 2026-10-16)
- View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/lendwithalvarez
- Email on file: shown at https://lendb.ai/lo/annette-alvarez-296002#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/296002
- lender_site: https://bell.bank/mortgage/loan-officer/lendwithalvarez

Cite as: Annette Alvarez (NMLS 296002), Bell Bank. LenDb.ai, https://lendb.ai/lo/annette-alvarez-296002, last verified 2026-10-16.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._