{
  "canonical_url": "https://lendb.ai/lo/darci-theede-537119",
  "loan_officer": {
    "nmls_id": 537119,
    "slug": "darci-theede-537119",
    "canonical_url": "https://lendb.ai/lo/darci-theede-537119",
    "md_url": "https://lendb.ai/lo/darci-theede-537119.md",
    "json_url": "https://lendb.ai/lo/darci-theede-537119.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/537119",
    "full_name": {
      "value": "Darci Theede",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/darcitheede",
      "verified_at": "2026-10-16"
    },
    "first_name": "Darci",
    "last_name": "Theede",
    "headshot_url": {
      "value": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/darci-theede/darci-theede-profile-image.png?h=108&iar=0&w=108",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/darcitheede",
      "verified_at": "2026-10-16"
    },
    "bio": null,
    "title": {
      "value": "VP/ Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/darcitheede",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/darcitheede",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 25,
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/darcitheede",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 419538,
      "lender_name": "Bell Bank",
      "lender_slug": "bell-bank-419538",
      "branch_city": "Wahpeton",
      "branch_state": "ND",
      "branch_zip": "58075",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://bell.bank/mortgage/loan-officer/darcitheede",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/darcitheede",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 419538,
        "lender_name": "Bell Bank",
        "lender_slug": "bell-bank-419538",
        "branch_city": "Wahpeton",
        "branch_state": "ND",
        "branch_zip": "58075",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://bell.bank/mortgage/loan-officer/darcitheede",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/darcitheede",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.45,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/darcitheede",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/darci-theede-84893b57/",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/darcitheede",
        "verified_at": "2026-10-16"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "25+",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/darcitheede",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "service_area",
        "value": "Wahpeton, ND area",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/darcitheede",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "other",
        "value": "Past work across retail, commercial, agricultural and mortgage lending",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/darcitheede",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Member of Optimist Club of Wahpeton for 20+ years",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/darcitheede",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Board Member, Wahpeton Dollars for Scholars, 20 years",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/darcitheede",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 08:17:57.421807+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/darci-theede-537119#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/darcitheede",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}