--- canonical_url: https://lendb.ai/lo/curt-smith-199882 json_url: https://lendb.ai/lo/curt-smith-199882.json nmls_id: 199882 last_verified: 2026-10-16 --- # Curt Smith Mortgage Loan Officer at Bell Bank, Forest Lake, MN. NMLS ID 199882 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/199882)). Based in Forest Lake, Minnesota, Curt Smith (NMLS 199882) is a Mortgage Loan Officer at Bell Bank. Curt's focus, from their own profile, includes down payment assistance, FHA loan and USDA loan. **Summary:** Curt Smith (NMLS 199882) is Mortgage Loan Officer at Bell Bank, based in Forest Lake, 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: Down payment assistance, FHA loan, USDA loan, VA loan and First-time buyer. Last verified 2026-10-16. ## Quick answers ### Is Curt licensed? Curt 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 Curt do down payment assistance? Curt's profile lists down payment assistance as a focus (from their lender profile page). It also lists FHA loan, USDA loan and VA loan. Source: https://bell.bank/mortgage/loan-officer/curt-smith. ### What lender does Curt work for? Bell Bank, company NMLS 419538, from the Forest Lake, MN office, per the lender's own site (verified 2026-10-16). Source: https://bell.bank/mortgage/loan-officer/curt-smith. ## 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) - **Down payment assistance** (`down-payment-assistance`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/curt-smith - **FHA loan** (`fha`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/curt-smith - **USDA loan** (`usda`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/curt-smith - **VA loan** (`va`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/curt-smith - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.45, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/curt-smith ## Facts from the lender page and intro - years_experience: since 1998. Source: https://bell.bank/mortgage/loan-officer/curt-smith, verified 2026-10-16. - other: Career with Bell Bank Mortgage began in 2010. Source: https://bell.bank/mortgage/loan-officer/curt-smith, verified 2026-10-16. - role: Former vice president with Guaranteed Rate, Inc.. Source: https://bell.bank/mortgage/loan-officer/curt-smith, verified 2026-10-16. - credential: Super Mortgage Professional, multiple years. Source: https://bell.bank/mortgage/loan-officer/curt-smith, verified 2026-10-16. - community: Forest Lake Hockey Association. Source: https://bell.bank/mortgage/loan-officer/curt-smith, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| ## Employment history - ? to present: Bell Bank (NMLS 419538), Forest Lake, MN. Source: https://bell.bank/mortgage/loan-officer/curt-smith, 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/199882 ## Contact - View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/curt-smith - Office phone and Email on file: shown at https://lendb.ai/lo/curt-smith-199882#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/199882 - lender_site: https://bell.bank/mortgage/loan-officer/curt-smith Cite as: Curt Smith (NMLS 199882), Bell Bank. LenDb.ai, https://lendb.ai/lo/curt-smith-199882, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._