---
canonical_url: https://lendb.ai/lo/gwen-goins-451891
json_url: https://lendb.ai/lo/gwen-goins-451891.json
nmls_id: 451891
last_verified: 2026-10-16
---

# Gwen Goins

Senior Mortgage Loan Officer at Bell Bank, MO. NMLS ID 451891 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/451891)).

Based in Missouri, Gwen Goins (NMLS 451891) is a Senior Mortgage Loan Officer at Bell Bank.

**Summary:** Gwen Goins (NMLS 451891) is Senior Mortgage Loan Officer at Bell Bank, based in Missouri. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. States 37 years of experience. Last verified 2026-10-16.

## Quick answers

### Is Gwen licensed?

Gwen 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.

### What lender does Gwen work for?

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

### How much experience does Gwen have?

Gwen states 37 years of experience. Source: https://bell.bank/mortgage/loan-officer/gwengoins.

## 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.
- Years experience (stated by the LO): 37 (source: https://bell.bank/mortgage/loan-officer/gwengoins, verified 2026-10-16)
- 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)

- None on file yet.

## About

Gwen Goins is a Senior Mortgage Loan Officer with over 37 years in mortgage lending. They are a U.S. Army Reserve veteran and a mother of two daughters.

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

## Facts from the lender page and intro

- years_experience: 37. Source: https://bell.bank/mortgage/loan-officer/gwengoins, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Bell Bank (NMLS 419538), MO. Source: https://bell.bank/mortgage/loan-officer/gwengoins, 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/451891

## Contact

- View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/gwengoins
- Email on file: shown at https://lendb.ai/lo/gwen-goins-451891#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/451891
- lender_site: https://bell.bank/mortgage/loan-officer/gwengoins

Cite as: Gwen Goins (NMLS 451891), Bell Bank. LenDb.ai, https://lendb.ai/lo/gwen-goins-451891, last verified 2026-10-16.

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