---
canonical_url: https://lendb.ai/lo/jody-kern-401973
json_url: https://lendb.ai/lo/jody-kern-401973.json
nmls_id: 401973
last_verified: 2026-10-16
---

# Jody Kern

Senior Mortgage Banker at Bell Bank, Bloomington, MN. NMLS ID 401973 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/401973)).

Based in Bloomington, Minnesota, Jody Kern (NMLS 401973) is a Senior Mortgage Banker at Bell Bank. Jody's focus, from their own profile, includes jumbo loan, physician and medical professional and vacation home.

**Summary:** Jody Kern (NMLS 401973) is Senior Mortgage Banker at Bell Bank, based in Bloomington, 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: Jumbo loan, Physician and medical professional, Vacation home, Construction loan and First-time buyer. Last verified 2026-10-16.

## Quick answers

### Is Jody licensed?

Jody 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 Jody do jumbo loans?

Jody's profile lists jumbo loan as a focus (from their lender profile page). It also lists physician and medical professional, vacation home and construction loan. Source: https://bell.bank/mortgage/loan-officer/jodykern.

### What lender does Jody work for?

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

## 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)

- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/jodykern
- **Physician and medical professional** (`physician`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/jodykern
- **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/jodykern
- **Construction loan** (`construction`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/jodykern
- **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/jodykern

## Facts from the lender page and intro

- community: Rotary Club of Edina, 17-year member. Source: https://bell.bank/mortgage/loan-officer/jodykern, verified 2026-10-16.
- community: Board member and officer of the Housing First MN Foundation Board (past). Source: https://bell.bank/mortgage/loan-officer/jodykern, verified 2026-10-16.
- community: Chair of the Parade of Homes Dream Home Committee for the Housing First Foundation. Source: https://bell.bank/mortgage/loan-officer/jodykern, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Bell Bank (NMLS 419538), Bloomington, MN. Source: https://bell.bank/mortgage/loan-officer/jodykern, 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/401973

## Contact

- View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/jodykern
- Email on file: shown at https://lendb.ai/lo/jody-kern-401973#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/401973
- lender_site: https://bell.bank/mortgage/loan-officer/jodykern

Cite as: Jody Kern (NMLS 401973), Bell Bank. LenDb.ai, https://lendb.ai/lo/jody-kern-401973, last verified 2026-10-16.

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