--- canonical_url: https://lendb.ai/lo/melissa-bell-450558 json_url: https://lendb.ai/lo/melissa-bell-450558.json nmls_id: 450558 last_verified: 2026-10-09 --- # Melissa Bell EVP, Area Manager at Atlantic Coast Mortgage, Fairfax, VA. NMLS ID 450558 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/450558)). **Summary:** Melissa Bell (NMLS 450558) is EVP, Area Manager at Atlantic Coast Mortgage, based in Fairfax, VA. Licensed in Florida, confirmed with the state regulator (license LO76489). Also lists Alabama, District of Columbia, Georgia, Indiana, Kansas, Kentucky, Maryland, Mississippi and 5 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan. Licensed since 2020 (per Florida records). States 20 years of experience. Last verified 2026-10-09. ## At a glance - Licensed since 2020 (per Florida records). This is license history on file, not total experience. - Years experience (stated by the LO): 20 (source: https://www.atlanticcoastmortgage.com/lo/melissa-bell/, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), District of Columbia (DC, lender_reported), Georgia (GA, lender_reported), Indiana (IN, lender_reported), Kansas (KS, lender_reported), Kentucky (KY, lender_reported), Maryland (MD, lender_reported), Mississippi (MS, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, lender_reported), West Virginia (WV, lender_reported) - 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 - Profile: unclaimed - Status: active ## Specialties - **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.atlanticcoastmortgage.com/lo/melissa-bell/ ## About Melissa has 20 years of mortgage lending experience and a special focus on serving military veterans. In 2021, she and her team assisted over 300 families in finding their homes. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 20. Source: https://www.atlanticcoastmortgage.com/lo/melissa-bell/, verified 2026-10-09. - community: Supports Veteran's Honor Flight and The Charity League for Mothers & Daughters; serves on the board of the Fellowship of Christian Athletes. Source: https://www.atlanticcoastmortgage.com/lo/melissa-bell/, verified 2026-10-09. - service_area: Northern Virginia (particularly Ashburn area); serves 14 states including Virginia, Tennessee, Georgia, North Carolina. Source: https://www.atlanticcoastmortgage.com/lo/melissa-bell/, verified 2026-10-09. - credential: Scotsman Guide Top Originator (2023-2025), Scotsman Guide Top Women Originator (2023-2026), President's Club (2023-2026), Washingtonian Magazine Elite Producer (2024-2025), Washingtonian Magazine Best. Source: https://www.atlanticcoastmortgage.com/lo/melissa-bell/, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO76489 | active | confirmed | 2020-11-02 | state_regulator | 2026-10-09 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | DC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MS | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: Atlantic Coast Mortgage (NMLS 643114), Fairfax, VA. Source: https://www.atlanticcoastmortgage.com/lo/melissa-bell/, verified 2026-10-09. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/450558 ## Contact - linkedin_url: https://www.linkedin.com/in/melissa-bell-24b0028a/ (source: lender_site, verified 2026-10-09) - View profile at Atlantic Coast Mortgage: https://www.atlanticcoastmortgage.com/lo/melissa-bell/ ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/450558 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - lender_site: https://www.atlanticcoastmortgage.com/lo/melissa-bell/ Cite as: Melissa Bell (NMLS 450558), Atlantic Coast Mortgage. LenDb.ai, https://lendb.ai/lo/melissa-bell-450558, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._