--- canonical_url: https://lendb.ai/lo/robert-verrino-1281457 json_url: https://lendb.ai/lo/robert-verrino-1281457.json nmls_id: 1281457 last_verified: 2026-10-16 --- # Robert Verrino Mortgage Loan Officer at Bell Bank, Jacksonville, FL. NMLS ID 1281457 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1281457)). Robert Verrino (NMLS 1281457) is a Mortgage Loan Officer at Bell Bank in Jacksonville, Florida. Robert's own profile lists construction loan, down payment assistance and FHA loan as a focus. **Summary:** Robert Verrino (NMLS 1281457) is Mortgage Loan Officer at Bell Bank, based in Jacksonville, FL. 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, Down payment assistance, FHA loan, Jumbo loan and New construction. Earliest state license record: April 12, 2019 (Florida), per state regulator. Last verified 2026-10-16. ## Quick answers ### Is Robert licensed? Robert 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 Robert do construction loans? Robert's profile lists construction loan as a focus (from their lender profile page). It also lists down payment assistance, FHA loan and jumbo loan. Source: https://bell.bank/mortgage/loan-officer/verrinoloans. ### What lender does Robert work for? Bell Bank, company NMLS 419538, from the Jacksonville, FL office, per the lender's own site (verified 2026-10-16). Source: https://bell.bank/mortgage/loan-officer/verrinoloans. ### How long has Robert been licensed? The earliest state license record LenDb holds for Robert is from April 12, 2019 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ## At a glance - Earliest state license record: April 12, 2019 (Florida), 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) - **Construction loan** (`construction`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/verrinoloans - **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/verrinoloans - **FHA loan** (`fha`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/verrinoloans - **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/verrinoloans - **New construction** (`new-construction`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/verrinoloans - **USDA loan** (`usda`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/verrinoloans - **VA loan** (`va`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/verrinoloans ## Facts from the lender page and intro - service_area: Jacksonville, Florida. Source: https://bell.bank/mortgage/loan-officer/verrinoloans, verified 2026-10-16. - community: NEFBA. Source: https://bell.bank/mortgage/loan-officer/verrinoloans, verified 2026-10-16. - community: NEFAR. Source: https://bell.bank/mortgage/loan-officer/verrinoloans, verified 2026-10-16. - community: Builders Care. Source: https://bell.bank/mortgage/loan-officer/verrinoloans, verified 2026-10-16. - community: The League of Mortgage Professionals. Source: https://bell.bank/mortgage/loan-officer/verrinoloans, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO60591 | expired | confirmed | 2019-04-12 | state_regulator | 2026-10-15 | ## Employment history - ? to present: Bell Bank (NMLS 419538), Jacksonville, FL. Source: https://bell.bank/mortgage/loan-officer/verrinoloans, 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/1281457 ## Contact - View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/verrinoloans - Email on file: shown at https://lendb.ai/lo/robert-verrino-1281457#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1281457 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - lender_site: https://bell.bank/mortgage/loan-officer/verrinoloans Cite as: Robert Verrino (NMLS 1281457), Bell Bank. LenDb.ai, https://lendb.ai/lo/robert-verrino-1281457, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._