--- canonical_url: https://lendb.ai/lo/kara-kelsen-1607673 json_url: https://lendb.ai/lo/kara-kelsen-1607673.json nmls_id: 1607673 last_verified: 2026-10-16 --- # Kara Kelsen Mortgage Loan Officer at Bell Bank, Peoria, AZ. NMLS ID 1607673 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1607673)). 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. **Summary:** Kara Kelsen (NMLS 1607673) is Mortgage Loan Officer at Bell Bank, based in Peoria, AZ. Lists Alabama, Arkansas, Arizona, California, Colorado, Florida, Georgia, Iowa and 25 more on the lender page (not yet checked with the state regulator). 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, Real estate investor, USDA loan and VA loan. States 15 years of experience. Last verified 2026-10-16. ## Quick answers ### Is Kara licensed in Arizona? 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. Source: https://bell.bank/mortgage/loan-officer/karahomeloans. ### Does Kara do down payment assistance? 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. Source: https://bell.bank/mortgage/loan-officer/karahomeloans. ### What lender does Kara work for? Bell Bank, company NMLS 419538, from the Peoria, AZ office, per the lender's own site (verified 2026-10-16). Source: https://bell.bank/mortgage/loan-officer/karahomeloans. ### How much experience does Kara have? Kara states 15 years of experience. Source: https://bell.bank/mortgage/loan-officer/karahomeloans. ## 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): 15 (source: https://bell.bank/mortgage/loan-officer/karahomeloans, verified 2026-10-16) - Licensed in: Alabama (AL, lender_reported), Arkansas (AR, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, lender_reported), Florida (FL, lender_reported), Georgia (GA, lender_reported), Iowa (IA, lender_reported), Idaho (ID, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kansas (KS, lender_reported), Kentucky (KY, lender_reported), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), Missouri (MO, lender_reported), Mississippi (MS, lender_reported), Montana (MT, lender_reported), North Carolina (NC, lender_reported), North Dakota (ND, lender_reported), Nebraska (NE, lender_reported), New Mexico (NM, lender_reported), Oklahoma (OK, lender_reported), Oregon (OR, lender_reported), South Carolina (SC, lender_reported), South Dakota (SD, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Utah (UT, lender_reported), Virginia (VA, lender_reported), Washington (WA, lender_reported), Wisconsin (WI, lender_reported), Wyoming (WY, lender_reported) - 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/karahomeloans - **FHA loan** (`fha`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/karahomeloans - **Real estate investor** (`investor`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/karahomeloans - **USDA loan** (`usda`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/karahomeloans - **VA loan** (`va`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/karahomeloans - **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/karahomeloans ## Facts from the lender page and intro - years_experience: 15. Source: https://bell.bank/mortgage/loan-officer/karahomeloans, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | AL | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | AR | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | AZ | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | CA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | CO | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | FL | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | GA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | IA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | ID | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | IL | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | IN | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | KS | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | KY | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | MI | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | MN | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | MO | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | MS | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | MT | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | NC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | ND | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | NE | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | NM | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | OK | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | OR | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | SC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | SD | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | TN | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | TX | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | UT | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | VA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | WA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | WI | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | | WY | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-16 | ## Employment history - ? to present: Bell Bank (NMLS 419538), Peoria, AZ. Source: https://bell.bank/mortgage/loan-officer/karahomeloans, 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/1607673 ## Contact - View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/karahomeloans - Office phone and Email on file: shown at https://lendb.ai/lo/kara-kelsen-1607673#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1607673 - lender_site: https://bell.bank/mortgage/loan-officer/karahomeloans Cite as: Kara Kelsen (NMLS 1607673), Bell Bank. LenDb.ai, https://lendb.ai/lo/kara-kelsen-1607673, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._