---
canonical_url: https://lendb.ai/lo/joel-terrill-255385
json_url: https://lendb.ai/lo/joel-terrill-255385.json
nmls_id: 255385
last_verified: 2026-10-16
---

# Joel Terrill

VP Market Manager at Bell Bank, Gilbert, AZ. NMLS ID 255385 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/255385)).

Joel Terrill, NMLS 255385, works as a VP Market Manager at Bell Bank in Gilbert, Arizona. Joel's lender page shows a focus on real estate investor and vacation home.

**Summary:** Joel Terrill (NMLS 255385) is VP Market Manager at Bell Bank, based in Gilbert, AZ. 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: Real estate investor and Vacation home. Last verified 2026-10-16.

## Quick answers

### Is Joel licensed?

Joel 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 Joel list real estate investor as a focus?

Joel's profile lists real estate investor as a focus (from their lender profile page). It also lists vacation home. Source: https://bell.bank/mortgage/loan-officer/joelterrill.

### What lender does Joel work for?

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

## 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)

- **Real estate investor** (`investor`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/joelterrill
- **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/joelterrill

## Facts from the lender page and intro

- years_experience: since 1990. Source: https://bell.bank/mortgage/loan-officer/joelterrill, verified 2026-10-16.
- credential: One of Arizona's top 1% mortgage loan officers (their own claim). Source: https://bell.bank/mortgage/loan-officer/joelterrill, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Bell Bank (NMLS 419538), Gilbert, AZ. Source: https://bell.bank/mortgage/loan-officer/joelterrill, 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/255385

## Contact

- View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/joelterrill
- Office phone and Email on file: shown at https://lendb.ai/lo/joel-terrill-255385#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/255385
- lender_site: https://bell.bank/mortgage/loan-officer/joelterrill

Cite as: Joel Terrill (NMLS 255385), Bell Bank. LenDb.ai, https://lendb.ai/lo/joel-terrill-255385, last verified 2026-10-16.

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