--- canonical_url: https://lendb.ai/lo/matthew-adams-290134 json_url: https://lendb.ai/lo/matthew-adams-290134.json nmls_id: 290134 last_verified: 2026-10-16 --- # Matthew Adams Mortgage Loan Officer at Bell Bank, Woodbury, MN. NMLS ID 290134 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/290134)). Matthew Adams, NMLS 290134, works as a Mortgage Loan Officer at Bell Bank in Woodbury, Minnesota. Matthew's lender page shows a focus on construction loan, jumbo loan and FHA loan. **Summary:** Matthew Adams (NMLS 290134) is Mortgage Loan Officer at Bell Bank, based in Woodbury, 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: Construction loan, Jumbo loan, FHA loan, USDA loan and VA loan. Earliest state license record: December 10, 2003 (Wisconsin), per state regulator. States 20 years of experience. Last verified 2026-10-16. ## Quick answers ### Is Matthew licensed? Matthew 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 Matthew do construction loans? Matthew's profile lists construction loan as a focus (from their lender profile page). It also lists jumbo loan, FHA loan and USDA loan. Source: https://bell.bank/mortgage/loan-officer/matthewadams. ### What lender does Matthew work for? Bell Bank, company NMLS 419538, from the Woodbury, MN office, per the lender's own site (verified 2026-10-16). Source: https://bell.bank/mortgage/loan-officer/matthewadams. ### How long has Matthew been licensed? The earliest state license record LenDb holds for Matthew is from December 10, 2003 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Matthew states 20 years of experience. Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/. ## At a glance - Earliest state license record: December 10, 2003 (Wisconsin), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 20 (source: https://bell.bank/mortgage/loan-officer/matthewadams, verified 2026-10-16) - 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 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/matthewadams - **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/matthewadams - **FHA loan** (`fha`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/matthewadams - **USDA loan** (`usda`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/matthewadams - **VA loan** (`va`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/matthewadams - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.45, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/matthewadams ## About Matthew Adams is a Mortgage Loan Officer in Woodbury, MN. They say they have worked with customers on mortgages for just over 20 years. They are a Homes For Heroes Mortgage Lender Affiliate. Source: LenDb summary of the lender page, verified 2026-10-16. ## Facts from the lender page and intro - years_experience: 20. Source: https://bell.bank/mortgage/loan-officer/matthewadams, verified 2026-10-16. - credential: Homes For Heroes Mortgage Lender Affiliate. Source: https://bell.bank/mortgage/loan-officer/matthewadams, verified 2026-10-16. - community: Supports local schools and youth programs. Source: https://bell.bank/mortgage/loan-officer/matthewadams, verified 2026-10-16. - community: Runs and supports fundraising events throughout the year. Source: https://bell.bank/mortgage/loan-officer/matthewadams, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | WI | Wisconsin regulator | state_license | 11789 | expired | confirmed | 2003-12-10 | state_regulator | 2026-10-21 | ## Employment history - ? to present: Bell Bank (NMLS 419538), Woodbury, MN. Source: https://bell.bank/mortgage/loan-officer/matthewadams, 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/290134 ## Contact - View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/matthewadams - Office phone and Email on file: shown at https://lendb.ai/lo/matthew-adams-290134#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/290134 - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - lender_site: https://bell.bank/mortgage/loan-officer/matthewadams Cite as: Matthew Adams (NMLS 290134), Bell Bank. LenDb.ai, https://lendb.ai/lo/matthew-adams-290134, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._