--- canonical_url: https://lendb.ai/lo/kerry-gaby-641778 json_url: https://lendb.ai/lo/kerry-gaby-641778.json nmls_id: 641778 last_verified: 2026-10-16 --- # Kerry Gaby Mortgage Loan Officer at Bell Bank, Tallahassee, FL. NMLS ID 641778 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/641778)). Kerry Gaby, NMLS 641778, works as a Mortgage Loan Officer at Bell Bank in Tallahassee, Florida. Kerry's lender page shows a focus on jumbo loan, physician and medical professional and vacation home. **Summary:** Kerry Gaby (NMLS 641778) is Mortgage Loan Officer at Bell Bank, based in Tallahassee, FL. 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: Jumbo loan, Physician and medical professional, Vacation home, FHA loan and USDA loan. Earliest state license record: November 6, 2020 (Florida), per state regulator. Last verified 2026-10-16. ## Quick answers ### Is Kerry licensed? Kerry 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 Kerry do jumbo loans? Kerry's profile lists jumbo loan as a focus (from their lender profile page). It also lists physician and medical professional, vacation home and FHA loan. Source: https://bell.bank/mortgage/loan-officer/gabyteam. ### What lender does Kerry work for? Bell Bank, company NMLS 419538, from the Tallahassee, FL office, per the lender's own site (verified 2026-10-16). Source: https://bell.bank/mortgage/loan-officer/gabyteam. ### How long has Kerry been licensed? The earliest state license record LenDb holds for Kerry is from November 6, 2020 (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 6, 2020 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Kerry R. Gaby (FL, as of 2026-10-09) - 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) - **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/gabyteam - **Physician and medical professional** (`physician`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/gabyteam - **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/gabyteam - **FHA loan** (`fha`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/gabyteam - **USDA loan** (`usda`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/gabyteam - **VA loan** (`va`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/gabyteam - **Construction loan** (`construction`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/gabyteam - **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/gabyteam ## Facts from the lender page and intro - years_experience: since 1985. Source: https://bell.bank/mortgage/loan-officer/gabyteam, verified 2026-10-16. - credential: Certified Mortgage Advisor (CMA). Source: https://bell.bank/mortgage/loan-officer/gabyteam, verified 2026-10-16. - community: Member, Tallahassee Board of Realtors, 35+ years. Source: https://bell.bank/mortgage/loan-officer/gabyteam, verified 2026-10-16. - community: Member, Building Industry Association of the Big Bend. Source: https://bell.bank/mortgage/loan-officer/gabyteam, verified 2026-10-16. - community: Tallahassee Urban League. Source: https://bell.bank/mortgage/loan-officer/gabyteam, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO76938 | expired | confirmed | 2020-11-06 | state_regulator | 2026-10-15 | ## Employment history - ? to present: Bell Bank (NMLS 419538), Tallahassee, FL. Source: https://bell.bank/mortgage/loan-officer/gabyteam, 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/641778 ## Contact - View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/gabyteam - Email on file: shown at https://lendb.ai/lo/kerry-gaby-641778#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/641778 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - lender_site: https://bell.bank/mortgage/loan-officer/gabyteam Cite as: Kerry Gaby (NMLS 641778), Bell Bank. LenDb.ai, https://lendb.ai/lo/kerry-gaby-641778, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._