---
canonical_url: https://lendb.ai/lo/barry-heinen-682861
json_url: https://lendb.ai/lo/barry-heinen-682861.json
nmls_id: 682861
last_verified: 2026-10-16
---

# Barry Heinen

Mortgage Loan Officer at Bell Bank, Fergus Falls, MN. NMLS ID 682861 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/682861)).

Barry Heinen, NMLS 682861, works as a Mortgage Loan Officer at Bell Bank in Fergus Falls, Minnesota. Barry's lender page shows a focus on vacation home, FHA loan and USDA loan.

**Summary:** Barry Heinen (NMLS 682861) is Mortgage Loan Officer at Bell Bank, based in Fergus Falls, MN. 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: Vacation home, FHA loan, USDA loan, VA loan and First-time buyer. Last verified 2026-10-16.

## Quick answers

### Is Barry licensed?

Barry 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 Barry work on vacation home loans?

Barry's profile lists vacation home as a focus (from their lender profile page). It also lists FHA loan, USDA loan and VA loan. Source: https://bell.bank/mortgage/loan-officer/barryheinen.

### What lender does Barry work for?

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

## 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)

- **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/barryheinen
- **FHA loan** (`fha`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/barryheinen
- **USDA loan** (`usda`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/barryheinen
- **VA loan** (`va`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/barryheinen
- **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/barryheinen

## Facts from the lender page and intro

- years_experience: 18 plus. Source: https://bell.bank/mortgage/loan-officer/barryheinen, verified 2026-10-16.
- community: Fergus Falls Housing Authority board member (10 years). Source: https://bell.bank/mortgage/loan-officer/barryheinen, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Bell Bank (NMLS 419538), Fergus Falls, MN. Source: https://bell.bank/mortgage/loan-officer/barryheinen, 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/682861

## Contact

- linkedin_url: https://www.linkedin.com/in/barry-heinen-45a9016a (source: lender_site, verified 2026-10-16)
- View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/barryheinen
- Office phone and Email on file: shown at https://lendb.ai/lo/barry-heinen-682861#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/682861
- lender_site: https://bell.bank/mortgage/loan-officer/barryheinen

Cite as: Barry Heinen (NMLS 682861), Bell Bank. LenDb.ai, https://lendb.ai/lo/barry-heinen-682861, last verified 2026-10-16.

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