---
canonical_url: https://lendb.ai/lo/ryan-spellerberg-612404
json_url: https://lendb.ai/lo/ryan-spellerberg-612404.json
nmls_id: 612404
last_verified: 2026-10-16
---

# Ryan Spellerberg

Mortgage Loan Advisor at Charter West Bank, Sioux Falls, SD. NMLS ID 612404 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/612404)).

Ryan Spellerberg (NMLS 612404) is a Mortgage Loan Advisor at Charter West Bank in Sioux Falls, South Dakota.

**Summary:** Ryan Spellerberg (NMLS 612404) is Mortgage Loan Advisor at Charter West Bank, based in Sioux Falls, SD. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. States 20 years of experience. Last verified 2026-10-16.

## Quick answers

### Is Ryan licensed?

Ryan 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.

### What lender does Ryan work for?

Charter West Bank, company NMLS 466077, from the Sioux Falls, SD office, per the lender's own site (verified 2026-10-16). Source: https://www.charterwest.com/mortgage-officers/ryan-spellerberg/.

### How much experience does Ryan have?

Ryan states 20 years of experience. Source: https://www.charterwest.com/mortgage-officers/ryan-spellerberg/.

## 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.
- Years experience (stated by the LO): 20 (source: https://www.charterwest.com/mortgage-officers/ryan-spellerberg/, verified 2026-10-16)
- 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)

- None on file yet.

## Facts from the lender page and intro

- years_experience: 20+. Source: https://www.charterwest.com/mortgage-officers/ryan-spellerberg/, verified 2026-10-16.
- education: Northern State University (Aberdeen). Source: https://www.charterwest.com/mortgage-officers/ryan-spellerberg/, verified 2026-10-16.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Charter West Bank (NMLS 466077), Sioux Falls, SD. Source: https://www.charterwest.com/mortgage-officers/ryan-spellerberg/, 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/612404

## Contact

- View profile at Charter West Bank: https://www.charterwest.com/mortgage-officers/ryan-spellerberg/
- Office phone and Email on file: shown at https://lendb.ai/lo/ryan-spellerberg-612404#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/612404
- lender_site: https://www.charterwest.com/mortgage-officers/ryan-spellerberg/

Cite as: Ryan Spellerberg (NMLS 612404), Charter West Bank. LenDb.ai, https://lendb.ai/lo/ryan-spellerberg-612404, last verified 2026-10-16.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._