---
canonical_url: https://lendb.ai/lo/terri-ronneng-343011
json_url: https://lendb.ai/lo/terri-ronneng-343011.json
nmls_id: 343011
last_verified: 2026-10-16
---

# Terri Ronneng

Senior Mortgage Loan Officer at Bell Bank, Ramsey, MN. NMLS ID 343011 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/343011)).

Terri Ronneng (NMLS 343011) is a Senior Mortgage Loan Officer at Bell Bank in Ramsey, Minnesota. Terri's own profile lists real estate investor, vacation home and USDA loan as a focus.

**Summary:** Terri Ronneng (NMLS 343011) is Senior Mortgage Loan Officer at Bell Bank, based in Ramsey, 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: Real estate investor, Vacation home, USDA loan, VA loan and FHA loan. Last verified 2026-10-16.

## Quick answers

### Is Terri licensed?

Terri 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 Terri list real estate investor as a focus?

Terri's profile lists real estate investor as a focus (from their lender profile page). It also lists vacation home, USDA loan and VA loan. Source: https://bell.bank/mortgage/loan-officer/terrironneng.

### What lender does Terri work for?

Bell Bank, company NMLS 419538, from the Ramsey, MN office, per the lender's own site (verified 2026-10-16). Source: https://bell.bank/mortgage/loan-officer/terrironneng.

## 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)

- **Real estate investor** (`investor`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/terrironneng
- **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.44, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/terrironneng
- **USDA loan** (`usda`): from their lender profile page, confidence 0.30, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/terrironneng
- **VA loan** (`va`): from their lender profile page, confidence 0.25, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/terrironneng
- **FHA loan** (`fha`): from their lender profile page, confidence 0.24, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/terrironneng
- **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.09, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/terrironneng

## Facts from the lender page and intro

- years_experience: since 1985. Source: https://bell.bank/mortgage/loan-officer/terrironneng, verified 2026-10-16.
- role: Originated loans as a team with Sheri Jondahl from 1991. Source: https://bell.bank/mortgage/loan-officer/terrironneng, verified 2026-10-16.
- credential: Super Mortgage Professional. Source: https://bell.bank/mortgage/loan-officer/terrironneng, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Bell Bank (NMLS 419538), Ramsey, MN. Source: https://bell.bank/mortgage/loan-officer/terrironneng, 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/343011

## Contact

- View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/terrironneng
- Email on file: shown at https://lendb.ai/lo/terri-ronneng-343011#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/343011
- lender_site: https://bell.bank/mortgage/loan-officer/terrironneng

Cite as: Terri Ronneng (NMLS 343011), Bell Bank. LenDb.ai, https://lendb.ai/lo/terri-ronneng-343011, last verified 2026-10-16.

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