---
canonical_url: https://lendb.ai/lo/darci-theede-537119
json_url: https://lendb.ai/lo/darci-theede-537119.json
nmls_id: 537119
last_verified: 2026-10-16
---

# Darci Theede

VP/ Mortgage Loan Officer at Bell Bank, Wahpeton, ND. NMLS ID 537119 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/537119)).

Based in Wahpeton, North Dakota, Darci Theede (NMLS 537119) is a mortgage loan officer at Bell Bank. Darci's focus, from their own profile, includes first-time buyer.

**Summary:** Darci Theede (NMLS 537119) is VP/ Mortgage Loan Officer at Bell Bank, based in Wahpeton, ND. 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: First-time buyer. States 25 years of experience. Last verified 2026-10-16.

## Quick answers

### Is Darci licensed?

Darci 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 Darci list first-time buyer as a focus?

Darci's profile lists first-time buyer as a focus (from their lender profile page). Source: https://bell.bank/mortgage/loan-officer/darcitheede.

### What lender does Darci work for?

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

### How much experience does Darci have?

Darci states 25 years of experience. Source: https://bell.bank/mortgage/loan-officer/darcitheede.

## 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.
- Years experience (stated by the LO): 25 (source: https://bell.bank/mortgage/loan-officer/darcitheede, verified 2026-10-16)
- 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)

- **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/darcitheede

## Facts from the lender page and intro

- years_experience: 25+. Source: https://bell.bank/mortgage/loan-officer/darcitheede, verified 2026-10-16.
- service_area: Wahpeton, ND area. Source: https://bell.bank/mortgage/loan-officer/darcitheede, verified 2026-10-16.
- other: Past work across retail, commercial, agricultural and mortgage lending. Source: https://bell.bank/mortgage/loan-officer/darcitheede, verified 2026-10-16.
- community: Member of Optimist Club of Wahpeton for 20+ years. Source: https://bell.bank/mortgage/loan-officer/darcitheede, verified 2026-10-16.
- community: Board Member, Wahpeton Dollars for Scholars, 20 years. Source: https://bell.bank/mortgage/loan-officer/darcitheede, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Bell Bank (NMLS 419538), Wahpeton, ND. Source: https://bell.bank/mortgage/loan-officer/darcitheede, 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/537119

## Contact

- linkedin_url: https://www.linkedin.com/in/darci-theede-84893b57/ (source: lender_site, verified 2026-10-16)
- View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/darcitheede
- Office phone and Email on file: shown at https://lendb.ai/lo/darci-theede-537119#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/537119
- lender_site: https://bell.bank/mortgage/loan-officer/darcitheede

Cite as: Darci Theede (NMLS 537119), Bell Bank. LenDb.ai, https://lendb.ai/lo/darci-theede-537119, last verified 2026-10-16.

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