--- canonical_url: https://lendb.ai/lo/cindy-zemien-287760 json_url: https://lendb.ai/lo/cindy-zemien-287760.json nmls_id: 287760 last_verified: 2026-10-16 --- # Cindy Zemien Senior Mortgage Loan Officer at Bell Bank, MN. NMLS ID 287760 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/287760)). 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. **Summary:** Cindy Zemien (NMLS 287760) is Senior Mortgage Loan Officer at Bell Bank, based in Minnesota. Lists Arizona, California, Florida, Iowa, Minnesota, North Carolina, Tennessee and Texas on the lender page (not yet checked with the state regulator). 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: Construction loan, Down payment assistance, Renovation loan (203k / HomeStyle), FHA loan and USDA loan. Earliest state license record: September 10, 2003 (Wisconsin), per state regulator. States 25 years of experience. Last verified 2026-10-16. ## 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: https://bell.bank/mortgage/loan-officer/cindyz. ### 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: https://bell.bank/mortgage/loan-officer/cindyz. ### What lender does Cindy work for? Bell Bank, company NMLS 419538, per the lender's own site (verified 2026-10-16). Source: https://bell.bank/mortgage/loan-officer/cindyz. ### 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: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/. ## At a glance - Earliest state license record: September 10, 2003 (Wisconsin), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 25 (source: https://bell.bank/mortgage/loan-officer/cindyz, verified 2026-10-16) - Licensed in: Arizona (AZ, lender_reported), California (CA, lender_reported), Florida (FL, lender_reported), Iowa (IA, lender_reported), Minnesota (MN, lender_reported), North Carolina (NC, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported) - 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) - **Construction loan** (`construction`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/cindyz - **Down payment assistance** (`down-payment-assistance`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/cindyz - **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/cindyz - **FHA loan** (`fha`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/cindyz - **USDA loan** (`usda`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/cindyz - **VA loan** (`va`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/cindyz - **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.51, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/cindyz - **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/cindyz ## Facts from the lender page and intro - years_experience: 25+. Source: https://bell.bank/mortgage/loan-officer/cindyz, verified 2026-10-16. - credential: Super Mortgage Professional 2010-2022. Source: https://bell.bank/mortgage/loan-officer/cindyz, verified 2026-10-16. - community: Member of Apple Valley Chamber of Commerce. Source: https://bell.bank/mortgage/loan-officer/cindyz, verified 2026-10-16. - other: Available in the evenings and on weekends. Source: https://bell.bank/mortgage/loan-officer/cindyz, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | AZ | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | CA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | FL | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | IA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | MN | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | NC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | TN | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | TX | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | WI | Wisconsin regulator | state_license | 36444 | expired | confirmed | 2003-09-10 | state_regulator | 2026-10-21 | ## Employment history - ? to present: Bell Bank (NMLS 419538), MN. Source: https://bell.bank/mortgage/loan-officer/cindyz, 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/287760 ## Contact - linkedin_url: https://www.linkedin.com/in/cindy-zemien-2233686/ (source: lender_site, verified 2026-10-16) - View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/cindyz - Office phone and Email on file: shown at https://lendb.ai/lo/cindy-zemien-287760#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/287760 - lender_site: https://bell.bank/mortgage/loan-officer/cindyz - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ Cite as: Cindy Zemien (NMLS 287760), Bell Bank. LenDb.ai, https://lendb.ai/lo/cindy-zemien-287760, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._