---
canonical_url: https://lendb.ai/lo/daniel-cruz-1851416
json_url: https://lendb.ai/lo/daniel-cruz-1851416.json
nmls_id: 1851416
last_verified: 2026-10-16
---

# Daniel Cruz

Mortgage Loan Officer at Bell Bank, Brentwood, TN. NMLS ID 1851416 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1851416)).

Daniel Cruz (NMLS 1851416) is a Mortgage Loan Officer at Bell Bank in Brentwood, Tennessee, licensed in Florida since 2021.

**Summary:** Daniel Cruz (NMLS 1851416) is Mortgage Loan Officer at Bell Bank, based in Brentwood, TN. Licensed in Florida, confirmed with the state regulator (license LO96843). Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Earliest state license record: November 2, 2021 (Florida), per state regulator. Last verified 2026-10-16.

## Quick answers

### Is Daniel licensed in Florida?

Yes. Florida regulator records list license LO96843 as active, first effective November 2, 2021 (verified 2026-10-15). Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip.

### What lender does Daniel work for?

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

### How long has Daniel been licensed?

The earliest state license record LenDb holds for Daniel is from November 2, 2021 (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_AI_Monthly.zip.

## At a glance

- Earliest state license record: November 2, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed)
- 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)

- None on file yet.

## About

Daniel Cruz is a Mortgage Loan Officer in Brentwood, TN. Originally from St. Petersburg, FL, they have lived in Middle Tennessee for more than 13 years. They have two sons.

Source: LenDb summary of the lender page, verified 2026-10-16.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO96843 | active | confirmed | 2021-11-02 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Bell Bank (NMLS 419538), Brentwood, TN. Source: https://bell.bank/mortgage/loan-officer/danielcruzhousingadvisor, 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/1851416

## Contact

- linkedin_url: http://www.linkedin.com/in/danielcruzcruzincorporated (source: lender_site, verified 2026-10-16)
- View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/danielcruzhousingadvisor
- Email on file: shown at https://lendb.ai/lo/daniel-cruz-1851416#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1851416
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://bell.bank/mortgage/loan-officer/danielcruzhousingadvisor

Cite as: Daniel Cruz (NMLS 1851416), Bell Bank. LenDb.ai, https://lendb.ai/lo/daniel-cruz-1851416, last verified 2026-10-16.

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