--- canonical_url: https://lendb.ai/lo/haiying-zhang-832150 json_url: https://lendb.ai/lo/haiying-zhang-832150.json nmls_id: 832150 last_verified: 2026-10-26 --- # Haiying Zhang Mortgage Loan Officer at Bell Bank, Madison, WI. NMLS ID 832150 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/832150)). Haiying Zhang, NMLS 832150, works as a Mortgage Loan Officer at Bell Bank in Madison, Wisconsin. Haiying's lender page shows a focus on down payment assistance, first-time buyer and new construction, and Haiying speaks English and Chinese. **Summary:** Haiying Zhang (NMLS 832150) is Mortgage Loan Officer at Bell Bank, based in Madison, WI. 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: Down payment assistance, First-time buyer, New construction, Real estate investor and Vacation home. Speaks English and Chinese. Earliest state license record: January 17, 2017 (Wisconsin), per state regulator. Last verified 2026-10-26. ## Quick answers ### Is Haiying licensed? Haiying 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 Haiying do down payment assistance? Haiying's profile lists down payment assistance as a focus (from their lender profile page). It also lists first-time buyer, new construction and real estate investor. Source: https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans. ### What lender does Haiying work for? Bell Bank, company NMLS 419538, from the Madison, WI office, per the lender's own site (verified 2026-10-26). Source: https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans. ### What languages does Haiying speak? English and Chinese, per their lender page (verified 2026-10-26). Source: https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans. ### How long has Haiying been licensed? The earliest state license record LenDb holds for Haiying is from January 17, 2017 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/. ## At a glance - Earliest state license record: January 17, 2017 (Wisconsin), per state regulator. 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: English, Chinese (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) - **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/haiyingzhanghomeloans - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans - **New construction** (`new-construction`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans - **Real estate investor** (`investor`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans - **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans ## Facts from the lender page and intro - years_experience: since 2013. Source: https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans, verified 2026-10-26. - community: Volunteers in her community. Source: https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans, verified 2026-10-26. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | WI | Wisconsin regulator | state_license | 832150 | expired | confirmed | 2017-01-17 | state_regulator | 2026-10-21 | ## Employment history - ? to present: Bell Bank (NMLS 419538), Madison, WI. Source: https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans, verified 2026-10-26. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/832150 ## Contact - View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans - Office phone and Email on file: shown at https://lendb.ai/lo/haiying-zhang-832150#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/832150 - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - lender_site: https://bell.bank/mortgage/loan-officer/haiyingzhanghomeloans Cite as: Haiying Zhang (NMLS 832150), Bell Bank. LenDb.ai, https://lendb.ai/lo/haiying-zhang-832150, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._