--- canonical_url: https://lendb.ai/lo/irena-johnson-1666661 json_url: https://lendb.ai/lo/irena-johnson-1666661.json nmls_id: 1666661 last_verified: 2026-10-16 --- # Irena Johnson VP/Mortgage Loan Officer at Bell Bank, Fargo, ND. NMLS ID 1666661 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1666661)). Irena Johnson, NMLS 1666661, works as a mortgage loan officer at Bell Bank in Fargo, North Dakota. Irena's lender page shows a focus on down payment assistance, physician and medical professional and vacation home. **Summary:** Irena Johnson (NMLS 1666661) is VP/Mortgage Loan Officer at Bell Bank, based in Fargo, 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: Down payment assistance, Physician and medical professional, Vacation home, FHA loan and USDA loan. States 10 years of experience. Last verified 2026-10-16. ## Quick answers ### Is Irena licensed? Irena 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 Irena do down payment assistance? Irena's profile lists down payment assistance as a focus (from their lender profile page). It also lists physician and medical professional, vacation home and FHA loan. Source: https://bell.bank/mortgage/loan-officer/irenajohnson. ### What lender does Irena work for? Bell Bank, company NMLS 419538, from the Fargo, ND office, per the lender's own site (verified 2026-10-16). Source: https://bell.bank/mortgage/loan-officer/irenajohnson. ### How much experience does Irena have? Irena states 10 years of experience. Source: https://bell.bank/mortgage/loan-officer/irenajohnson. ## 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): 10 (source: https://bell.bank/mortgage/loan-officer/irenajohnson, 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) - **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/irenajohnson - **Physician and medical professional** (`physician`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/irenajohnson - **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/irenajohnson - **FHA loan** (`fha`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/irenajohnson - **USDA loan** (`usda`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/irenajohnson - **VA loan** (`va`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/irenajohnson - **First-time buyer** (`first-time-buyer`): from their lender profile page, confidence 0.10, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/irenajohnson ## Facts from the lender page and intro - years_experience: 10+. Source: https://bell.bank/mortgage/loan-officer/irenajohnson, verified 2026-10-16. - education: degree in finance, North Dakota State University. Source: https://bell.bank/mortgage/loan-officer/irenajohnson, verified 2026-10-16. - credential: Bell Value Award 2013. Source: https://bell.bank/mortgage/loan-officer/irenajohnson, verified 2026-10-16. - credential: Minnesota Housing Top Producer's. Source: https://bell.bank/mortgage/loan-officer/irenajohnson, verified 2026-10-16. - credential: 2021 President's Club. Source: https://bell.bank/mortgage/loan-officer/irenajohnson, verified 2026-10-16. - community: Building Industry Association of the RRV, Events Committee Chair. Source: https://bell.bank/mortgage/loan-officer/irenajohnson, verified 2026-10-16. - community: Cass Clay Community Land Trust, Board of Directors. Source: https://bell.bank/mortgage/loan-officer/irenajohnson, verified 2026-10-16. - community: Women's Care Center, Education Volunteer. Source: https://bell.bank/mortgage/loan-officer/irenajohnson, verified 2026-10-16. - community: Professional Women's Building Council. Source: https://bell.bank/mortgage/loan-officer/irenajohnson, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| ## Employment history - ? to present: Bell Bank (NMLS 419538), Fargo, ND. Source: https://bell.bank/mortgage/loan-officer/irenajohnson, 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/1666661 ## Contact - View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/irenajohnson - Office phone and Email on file: shown at https://lendb.ai/lo/irena-johnson-1666661#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1666661 - lender_site: https://bell.bank/mortgage/loan-officer/irenajohnson Cite as: Irena Johnson (NMLS 1666661), Bell Bank. LenDb.ai, https://lendb.ai/lo/irena-johnson-1666661, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._