--- canonical_url: https://lendb.ai/lo/peggy-ryan-460431 json_url: https://lendb.ai/lo/peggy-ryan-460431.json nmls_id: 460431 last_verified: 2026-10-16 --- # Peggy Ryan Mortgage Loan Officer at Bell Bank, Minneapolis, MN. NMLS ID 460431 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/460431)). Peggy Ryan, NMLS 460431, works as a Mortgage Loan Officer at Bell Bank in Minneapolis, Minnesota. Peggy's lender page shows a focus on down payment assistance, construction loan and renovation loan (203k / HomeStyle). **Summary:** Peggy Ryan (NMLS 460431) is Mortgage Loan Officer at Bell Bank, based in Minneapolis, 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, Construction loan, Renovation loan (203k / HomeStyle) and First-time buyer. Last verified 2026-10-16. ## Quick answers ### Is Peggy licensed? Peggy 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 Peggy do down payment assistance? Peggy's profile lists down payment assistance as a focus (from their lender profile page). It also lists construction loan, renovation loan (203k / HomeStyle) and first-time buyer. Source: https://bell.bank/mortgage/loan-officer/peggyryanhomeloans. ### What lender does Peggy work for? Bell Bank, company NMLS 419538, from the Minneapolis, MN office, per the lender's own site (verified 2026-10-16). Source: https://bell.bank/mortgage/loan-officer/peggyryanhomeloans. ## At a glance - Earliest state license record: none on file. 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) - **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/peggyryanhomeloans - **Construction loan** (`construction`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/peggyryanhomeloans - **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/peggyryanhomeloans - **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/peggyryanhomeloans ## Facts from the lender page and intro - years_experience: since 2003. Source: https://bell.bank/mortgage/loan-officer/peggyryanhomeloans, verified 2026-10-16. - role: Homestretch instructor. Source: https://bell.bank/mortgage/loan-officer/peggyryanhomeloans, verified 2026-10-16. - community: Homestretch Workshop volunteer and educator for over 20 years. Source: https://bell.bank/mortgage/loan-officer/peggyryanhomeloans, verified 2026-10-16. - community: Affordable Homes Congress board member for 10 years. Source: https://bell.bank/mortgage/loan-officer/peggyryanhomeloans, verified 2026-10-16. - credential: Super Mortgage Professional award, 2022, 2023 and 2024. Source: https://bell.bank/mortgage/loan-officer/peggyryanhomeloans, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| ## Employment history - ? to present: Bell Bank (NMLS 419538), Minneapolis, MN. Source: https://bell.bank/mortgage/loan-officer/peggyryanhomeloans, 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/460431 ## Contact - linkedin_url: https://www.linkedin.com/in/peggy-ryan-b44319233/ (source: lender_site, verified 2026-10-16) - View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/peggyryanhomeloans - Office phone and Email on file: shown at https://lendb.ai/lo/peggy-ryan-460431#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/460431 - lender_site: https://bell.bank/mortgage/loan-officer/peggyryanhomeloans Cite as: Peggy Ryan (NMLS 460431), Bell Bank. LenDb.ai, https://lendb.ai/lo/peggy-ryan-460431, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._