Cindy Zemien
Senior Mortgage Loan Officer at Bell Bank · Minnesota
NMLS ID 287760 (opens in a new tab) · verify at NMLS Consumer Access
Cindy Zemien (NMLS 287760) is a Senior Mortgage Loan Officer at Bell Bank in Minnesota, serving Arizona, California, Florida and 5 more states. Cindy's own profile lists construction loan, down payment assistance and renovation loan (203k / HomeStyle) as a focus.
Last verified . Sources: Bell Bank (bell.bank), Wisconsin state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: September 10, 2003 (Wisconsin), per state regulator
- 25 years experience (stated)
- Likely federally registered
- 8 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Cindy licensed in Minnesota?
- Bell Bank's page for Cindy lists Minnesota. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 7 other states on file for Cindy.
- Source: lender page (opens in a new tab)
- Does Cindy do construction loans?
- Cindy's profile lists construction loan as a focus (from their lender profile page). It also lists down payment assistance, renovation loan (203k / HomeStyle) and FHA loan.
- Source: lender page (opens in a new tab)
- What lender does Cindy work for?
- Bell Bank, company NMLS 419538, per the lender's own site (verified 2026-10-16).
- Source: lender site (opens in a new tab)
- How long has Cindy been licensed?
- The earliest state license record LenDb holds for Cindy is from September 10, 2003 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Cindy states 25 years of experience.
- Source: Wisconsin state regulator (opens in a new tab)
Specialties
Focus
- Focus: Construction loan(from their lender profile page)
- Focus: Down payment assistance(from their lender profile page)
- Focus: Renovation loan (203k / HomeStyle)(from their lender profile page)
- Focus: FHA loan(from their lender profile page)
- Focus: USDA loan(from their lender profile page)
- Focus: VA loan(from their lender profile page)
- Focus: Vacation home(from their lender profile page)
- Focus: First-time buyer(from their lender profile page)
Where we saw these: bell.bank (opens in a new tab)
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Arizona, California, Florida, Iowa, Minnesota, North Carolina, Tennessee, Texas
Lender-reported: AZ, CA, FL, IA, MN, NC, TN, TX are listed on the lender page, not yet checked with the state regulator.
Regulator records not active: WI (expired).
Likely federally registered: works at a bank. Federally registered MLOs aren't state-licensed; verify at NMLS (NMLS Consumer Access (opens in a new tab)).
Contact
A quick automatic check keeps bots from harvesting contact details.
- Profile (opens in a new tab)
We never see who you contact.
Employment history
Bell Bank NMLS 419538
Current · MN · seen on lender site 2026-10-16
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Sources
| Name and employer | lender site · bell.bank (opens in a new tab) | verified 2026-10-16 |
| Licensed states | lender site · bell.bank (opens in a new tab) | verified 2026-10-16 |
| Licenses (regulator) | state regulator · dfi.wi.gov (opens in a new tab) | verified 2026-10-21 |
| Specialties | lender site · bell.bank (opens in a new tab) | verified 2026-10-26 |
| Contact | lender site · bell.bank (opens in a new tab) | verified 2026-10-16 |
| Photo | lender site · bell.bank (opens in a new tab) | verified 2026-10-16 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Cindy Zemien (NMLS 287760), Bell Bank. LenDb.ai, https://lendb.ai/lo/cindy-zemien-287760, last verified 2026-10-16.
Is this you?
Claim this profile to add specialties, a bio and languages, or ask us to fix or remove it.
Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.