---
canonical_url: https://lendb.ai/lo/tracy-elliott-1030202
json_url: https://lendb.ai/lo/tracy-elliott-1030202.json
nmls_id: 1030202
last_verified: 2026-10-16
---

# Tracy Elliott

Senior Mortgage Loan Officer at Bell Bank, Gilbert, AZ. NMLS ID 1030202 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1030202)).

Tracy Elliott, NMLS 1030202, works as a Senior Mortgage Loan Officer at Bell Bank in Gilbert, Arizona. Tracy's lender page shows a focus on FHA loan, jumbo loan and physician and medical professional.

**Summary:** Tracy Elliott (NMLS 1030202) is Senior Mortgage Loan Officer at Bell Bank, based in Gilbert, AZ. 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: FHA loan, Jumbo loan, Physician and medical professional, VA loan and Vacation home. Last verified 2026-10-16.

## Quick answers

### Is Tracy licensed?

Tracy 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 Tracy do FHA loans?

Tracy's profile lists FHA loan as a focus (from their lender profile page). It also lists jumbo loan, physician and medical professional and VA loan. Source: https://bell.bank/mortgage/loan-officer/tracyelliotthomeloans.

### What lender does Tracy work for?

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

## 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)

- **FHA loan** (`fha`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/tracyelliotthomeloans
- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/tracyelliotthomeloans
- **Physician and medical professional** (`physician`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/tracyelliotthomeloans
- **VA loan** (`va`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/tracyelliotthomeloans
- **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/tracyelliotthomeloans
- **Construction loan** (`construction`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/tracyelliotthomeloans
- **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/tracyelliotthomeloans

## Facts from the lender page and intro

- credential: Platinum Club 2022. Source: https://bell.bank/mortgage/loan-officer/tracyelliotthomeloans, verified 2026-10-16.
- credential: Presidents Club, 5+ years running. Source: https://bell.bank/mortgage/loan-officer/tracyelliotthomeloans, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Bell Bank (NMLS 419538), Gilbert, AZ. Source: https://bell.bank/mortgage/loan-officer/tracyelliotthomeloans, 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/1030202

## Contact

- View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/tracyelliotthomeloans
- Office phone and Email on file: shown at https://lendb.ai/lo/tracy-elliott-1030202#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1030202
- lender_site: https://bell.bank/mortgage/loan-officer/tracyelliotthomeloans

Cite as: Tracy Elliott (NMLS 1030202), Bell Bank. LenDb.ai, https://lendb.ai/lo/tracy-elliott-1030202, last verified 2026-10-16.

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