--- canonical_url: https://lendb.ai/lo/pat-conroy-281865 json_url: https://lendb.ai/lo/pat-conroy-281865.json nmls_id: 281865 last_verified: 2026-10-16 --- # Pat Conroy Senior Mortgage Banker at Bell Bank, Woodbury, MN. NMLS ID 281865 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/281865)). Pat Conroy, NMLS 281865, works as a Senior Mortgage Banker at Bell Bank in Woodbury, Minnesota. Pat's lender page shows a focus on down payment assistance, new construction and vacation home. **Summary:** Pat Conroy (NMLS 281865) is Senior Mortgage Banker 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: Down payment assistance, New construction, Vacation home, FHA loan and USDA loan. Earliest state license record: November 1, 2016 (Wisconsin), per state regulator. States 20 years of experience. Last verified 2026-10-16. ## Quick answers ### Is Pat licensed? Pat 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 Pat do down payment assistance? Pat's profile lists down payment assistance as a focus (from their lender profile page). It also lists new construction, vacation home and FHA loan. Source: https://bell.bank/mortgage/loan-officer/patconroy. ### What lender does Pat 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/patconroy. ### How long has Pat been licensed? The earliest state license record LenDb holds for Pat is from November 1, 2016 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Pat states 20 years of experience. Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/. ## At a glance - Earliest state license record: November 1, 2016 (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/patconroy, verified 2026-10-16) - Also licensed as (state regulator records, same NMLS ID): Patrick Conroy (WI, as of 2026-10-21) - 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) - **Down payment assistance** (`down-payment-assistance`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/patconroy - **New construction** (`new-construction`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/patconroy - **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/patconroy - **FHA loan** (`fha`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/patconroy - **USDA loan** (`usda`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/patconroy - **VA loan** (`va`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/patconroy - **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/patconroy ## Facts from the lender page and intro - years_experience: 20. Source: https://bell.bank/mortgage/loan-officer/patconroy, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | WI | Wisconsin regulator | state_license | 281865 | expired | confirmed | 2016-11-01 | state_regulator | 2026-10-21 | ## Employment history - ? to present: Bell Bank (NMLS 419538), Woodbury, MN. Source: https://bell.bank/mortgage/loan-officer/patconroy, 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/281865 ## Contact - linkedin_url: https://www.linkedin.com/in/pat-conroy-baa6a923/ (source: lender_site, verified 2026-10-16) - View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/patconroy - Office phone and Email on file: shown at https://lendb.ai/lo/pat-conroy-281865#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/281865 - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - lender_site: https://bell.bank/mortgage/loan-officer/patconroy Cite as: Pat Conroy (NMLS 281865), Bell Bank. LenDb.ai, https://lendb.ai/lo/pat-conroy-281865, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._