{
  "canonical_url": "https://lendb.ai/lo/adam-roloff-400936",
  "lede": {
    "text": "Based in Woodbury, Minnesota, Adam Roloff (NMLS 400936) is a mortgage loan officer at Bell Bank. Adam's focus, from their own profile, includes FHA loan, USDA loan and VA loan.",
    "fields": [
      "full_name",
      "nmls_id",
      "current_employment",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Adam licensed?",
      "a": "Adam works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-16"
    },
    {
      "q": "Does Adam do FHA loans?",
      "a": "Adam's profile lists FHA loan as a focus (from their lender profile page). It also lists USDA loan, VA loan and construction loan.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Adam work for?",
      "a": "Bell Bank, company NMLS 419538, from the Woodbury, MN office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How much experience does Adam have?",
      "a": "Adam states 20 years of experience.",
      "fields": [
        "years_experience"
      ],
      "source": "the loan officer's own statement",
      "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
      "verified_at": "2026-10-16"
    }
  ],
  "field_notes": {
    "languages": "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."
  },
  "loan_officer": {
    "nmls_id": 400936,
    "slug": "adam-roloff-400936",
    "canonical_url": "https://lendb.ai/lo/adam-roloff-400936",
    "md_url": "https://lendb.ai/lo/adam-roloff-400936.md",
    "json_url": "https://lendb.ai/lo/adam-roloff-400936.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/400936",
    "full_name": {
      "value": "Adam Roloff",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
      "verified_at": "2026-10-16"
    },
    "first_name": "Adam",
    "last_name": "Roloff",
    "headshot_url": {
      "value": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/adam-roloff/profile-images-r_roloff_adam.png?h=108&iar=0&w=108",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Adam Roloff is a Senior Mortgage Loan Officer & VP Market Manager in Woodbury, MN. They have 20 years in the mortgage business, focusing on the residential market. Their profile lists FHA, VA and USDA loans, construction and renovation loans, and first-time homebuyers as specialties.",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Senior Mortgage Loan Officer & VP Market Manager",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 20,
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
      "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": "Woodbury",
      "branch_state": "MN",
      "branch_zip": "55125",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 419538,
        "lender_name": "Bell Bank",
        "lender_slug": "bell-bank-419538",
        "branch_city": "Woodbury",
        "branch_state": "MN",
        "branch_zip": "55125",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.69,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.69,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.69,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "construction",
        "label": "Construction loan",
        "evidence": "lender_page_text",
        "confidence": 0.68,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "evidence": "lender_page_text",
        "confidence": 0.68,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
        "verified_at": "2026-10-26"
      },
      {
        "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/adamroloff",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Bell Bank Mortgage Platinum & Presidents Club",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Super Mortgage Professional",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Woodbury Athletics",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "TB1Fund",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Sophie's Squad",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Hope4Youth",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/adamroloff",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 06:07:29.348463+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/adam-roloff-400936#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/adamroloff",
      "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"
    }
  }
}