--- canonical_url: https://lendb.ai/lo/luke-dawson-2292881 json_url: https://lendb.ai/lo/luke-dawson-2292881.json nmls_id: 2292881 last_verified: 2026-10-16 --- # Luke Dawson Senior Mortgage Loan Officer at Bell Bank, St. Louis, MO. NMLS ID 2292881 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2292881)). Based in St. Louis, Missouri, Luke Dawson (NMLS 2292881) is a Senior Mortgage Loan Officer at Bell Bank. Luke's focus, from their own profile, includes construction loan, renovation loan (203k / HomeStyle) and vacation home. **Summary:** Luke Dawson (NMLS 2292881) is Senior Mortgage Loan Officer at Bell Bank, based in St. Louis, MO. 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: Construction loan, Renovation loan (203k / HomeStyle), Vacation home, FHA loan and USDA loan. Earliest state license record: March 31, 2022 (Florida), per state regulator. Last verified 2026-10-16. ## Quick answers ### Is Luke licensed? Luke 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 Luke do construction loans? Luke's profile lists construction loan as a focus (from their lender profile page). It also lists renovation loan (203k / HomeStyle), vacation home and FHA loan. Source: https://bell.bank/mortgage/loan-officer/lukedoesloans. ### What lender does Luke work for? Bell Bank, company NMLS 419538, from the St. Louis, MO office, per the lender's own site (verified 2026-10-16). Source: https://bell.bank/mortgage/loan-officer/lukedoesloans. ### How long has Luke been licensed? The earliest state license record LenDb holds for Luke is from March 31, 2022 (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: March 31, 2022 (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): Luke B. Dawson (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) - **Construction loan** (`construction`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/lukedoesloans - **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/lukedoesloans - **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/lukedoesloans - **FHA loan** (`fha`): from their lender profile page, confidence 0.59, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/lukedoesloans - **USDA loan** (`usda`): from their lender profile page, confidence 0.59, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/lukedoesloans - **VA loan** (`va`): from their lender profile page, confidence 0.59, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/lukedoesloans ## Facts from the lender page and intro - years_experience: since 2022. Source: https://bell.bank/mortgage/loan-officer/lukedoesloans, verified 2026-10-16. - service_area: Springfield and Branson areas. Source: https://bell.bank/mortgage/loan-officer/lukedoesloans, verified 2026-10-16. - other: Served 6 years in the Missouri Army National Guard. Source: https://bell.bank/mortgage/loan-officer/lukedoesloans, verified 2026-10-16. - community: Youth Mentor for 10 years with Inner-City Ministry. Source: https://bell.bank/mortgage/loan-officer/lukedoesloans, verified 2026-10-16. - community: Parenting Skills Teacher at local churches and schools. Source: https://bell.bank/mortgage/loan-officer/lukedoesloans, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO105135 | expired | confirmed | 2022-03-31 | state_regulator | 2026-10-15 | ## Employment history - ? to present: Bell Bank (NMLS 419538), St. Louis, MO. Source: https://bell.bank/mortgage/loan-officer/lukedoesloans, 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/2292881 ## Contact - View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/lukedoesloans - Email on file: shown at https://lendb.ai/lo/luke-dawson-2292881#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2292881 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - lender_site: https://bell.bank/mortgage/loan-officer/lukedoesloans Cite as: Luke Dawson (NMLS 2292881), Bell Bank. LenDb.ai, https://lendb.ai/lo/luke-dawson-2292881, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._