{
  "canonical_url": "https://lendb.ai/lo/kara-kelsen-1607673",
  "lede": {
    "text": "Based in Peoria, Arizona, Kara Kelsen (NMLS 1607673) is a Mortgage Loan Officer at Bell Bank, serving Alabama, Arkansas, Arizona and 30 more states. Kara's focus, from their own profile, includes down payment assistance, FHA loan and real estate investor.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "specialties"
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  "quick_answers": [
    {
      "q": "Is Kara licensed in Arizona?",
      "a": "Bell Bank's page for Kara lists Arizona. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 32 other states on file for Kara.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
      "verified_at": "2026-10-16"
    },
    {
      "q": "Does Kara do down payment assistance?",
      "a": "Kara's profile lists down payment assistance as a focus (from their lender profile page). It also lists FHA loan, real estate investor and USDA loan.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Kara work for?",
      "a": "Bell Bank, company NMLS 419538, from the Peoria, AZ 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/karahomeloans",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How much experience does Kara have?",
      "a": "Kara states 15 years of experience.",
      "fields": [
        "years_experience"
      ],
      "source": "the loan officer's own statement",
      "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
      "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": {
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    "canonical_url": "https://lendb.ai/lo/kara-kelsen-1607673",
    "md_url": "https://lendb.ai/lo/kara-kelsen-1607673.md",
    "json_url": "https://lendb.ai/lo/kara-kelsen-1607673.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1607673",
    "full_name": {
      "value": "Kara Kelsen",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
      "verified_at": "2026-10-16"
    },
    "first_name": "Kara",
    "last_name": "Kelsen",
    "headshot_url": {
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      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
      "verified_at": "2026-10-16"
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      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
      "verified_at": "2026-10-16"
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    "languages": {
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      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
      "verified_at": "2026-10-16"
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      "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 419538,
      "lender_name": "Bell Bank",
      "lender_slug": "bell-bank-419538",
      "branch_city": "Peoria",
      "branch_state": "AZ",
      "branch_zip": "85382",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
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        "lender_name": "Bell Bank",
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        "end_date": null,
        "lender_profile_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
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        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16"
      }
    ],
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        "license_number": null,
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        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
        "state": "AR",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
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        "license_number": null,
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        "issued_at": null,
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        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
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        "confidence": "lender_reported"
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      {
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        "license_number": null,
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        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
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        "confidence": "lender_reported"
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
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        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
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        "confidence": "lender_reported"
      },
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        "status": "listed_on_lender_site",
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        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
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        "confidence": "lender_reported"
      },
      {
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
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        "confidence": "lender_reported"
      },
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
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        "confidence": "lender_reported"
      },
      {
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
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        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
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        "confidence": "lender_reported"
      },
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
        "state": "ND",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
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        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
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        "confidence": "lender_reported"
      },
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        "license_type": "state_license",
        "license_number": null,
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        "issued_at": null,
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        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
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        "confidence": "lender_reported"
      },
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
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        "confidence": "lender_reported"
      },
      {
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      },
      {
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        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "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/karahomeloans",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "15",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/karahomeloans",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 08:24:30.72176+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/kara-kelsen-1607673#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/karahomeloans",
      "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"
    }
  }
}