---
canonical_url: https://lendb.ai/lo/joe-zemien-337592
json_url: https://lendb.ai/lo/joe-zemien-337592.json
nmls_id: 337592
last_verified: 2026-10-16
---

# Joe Zemien

Senior Mortgage Loan Officer at Bell Bank, Apple Valley, MN. NMLS ID 337592 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/337592)).

Based in Apple Valley, Minnesota, Joe Zemien (NMLS 337592) is a Senior Mortgage Loan Officer at Bell Bank. Joe's focus, from their own profile, includes vacation home, FHA loan and USDA loan.

**Summary:** Joe Zemien (NMLS 337592) is Senior Mortgage Loan Officer at Bell Bank, based in Apple Valley, MN. 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: Vacation home, FHA loan, USDA loan, VA loan and First-time buyer. Last verified 2026-10-16.

## Quick answers

### Is Joe licensed?

Joe 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 Joe work on vacation home loans?

Joe's profile lists vacation home as a focus (from their lender profile page). It also lists FHA loan, USDA loan and VA loan. Source: https://bell.bank/mortgage/loan-officer/joezemien.

### What lender does Joe work for?

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

## 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.
- 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)

- **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/joezemien
- **FHA loan** (`fha`): from their lender profile page, confidence 0.59, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/joezemien
- **USDA loan** (`usda`): from their lender profile page, confidence 0.59, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/joezemien
- **VA loan** (`va`): from their lender profile page, confidence 0.59, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/joezemien
- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.39, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/joezemien

## Facts from the lender page and intro

- credential: Multiple years of Super Mortgage Professional award winner. Source: https://bell.bank/mortgage/loan-officer/joezemien, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Bell Bank (NMLS 419538), Apple Valley, MN. Source: https://bell.bank/mortgage/loan-officer/joezemien, 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/337592

## Contact

- View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/joezemien
- Office phone and Email on file: shown at https://lendb.ai/lo/joe-zemien-337592#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/337592
- lender_site: https://bell.bank/mortgage/loan-officer/joezemien

Cite as: Joe Zemien (NMLS 337592), Bell Bank. LenDb.ai, https://lendb.ai/lo/joe-zemien-337592, last verified 2026-10-16.

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