--- canonical_url: https://lendb.ai/lo/michael-quartana-286495 json_url: https://lendb.ai/lo/michael-quartana-286495.json nmls_id: 286495 last_verified: 2026-10-16 --- # Michael Quartana Senior Mortgage Loan Officer at Bell Bank, West Bend, WI. NMLS ID 286495 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/286495)). Based in West Bend, Wisconsin, Michael Quartana (NMLS 286495) is a Senior Mortgage Loan Officer at Bell Bank. Michael's focus, from their own profile, includes first-time buyer, jumbo loan and FHA loan. **Summary:** Michael Quartana (NMLS 286495) is Senior Mortgage Loan Officer at Bell Bank, based in West Bend, WI. 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: First-time buyer, Jumbo loan, FHA loan, USDA loan and VA loan. Earliest state license record: June 11, 1998 (Wisconsin), per state regulator. Last verified 2026-10-16. ## Quick answers ### Is Michael licensed? Michael 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 Michael list first-time buyer as a focus? Michael's profile lists first-time buyer 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/mikequartana. ### What lender does Michael work for? Bell Bank, company NMLS 419538, from the West Bend, WI office, per the lender's own site (verified 2026-10-16). Source: https://bell.bank/mortgage/loan-officer/mikequartana. ### How long has Michael been licensed? The earliest state license record LenDb holds for Michael is from June 11, 1998 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/. ## At a glance - Earliest state license record: June 11, 1998 (Wisconsin), per state regulator. 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) - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.90, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/mikequartana - **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/mikequartana - **FHA loan** (`fha`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/mikequartana - **USDA loan** (`usda`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/mikequartana - **VA loan** (`va`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/mikequartana - **Construction loan** (`construction`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/mikequartana - **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/mikequartana ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | WI | Wisconsin regulator | state_license | 5720 | expired | confirmed | 1998-06-11 | state_regulator | 2026-10-21 | ## Employment history - ? to present: Bell Bank (NMLS 419538), West Bend, WI. Source: https://bell.bank/mortgage/loan-officer/mikequartana, 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/286495 ## Contact - View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/mikequartana - Office phone and Email on file: shown at https://lendb.ai/lo/michael-quartana-286495#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/286495 - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - lender_site: https://bell.bank/mortgage/loan-officer/mikequartana Cite as: Michael Quartana (NMLS 286495), Bell Bank. LenDb.ai, https://lendb.ai/lo/michael-quartana-286495, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._