--- canonical_url: https://lendb.ai/lo/karin-wald-331410 json_url: https://lendb.ai/lo/karin-wald-331410.json nmls_id: 331410 last_verified: 2026-10-16 --- # Karin Wald Mortgage Loan Officer at Bell Bank, Minneapolis, MN. NMLS ID 331410 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/331410)). Based in Minneapolis, Minnesota, Karin Wald (NMLS 331410) is a Mortgage Loan Officer at Bell Bank. Karin's focus, from their own profile, includes down payment assistance, FHA loan and jumbo loan. **Summary:** Karin Wald (NMLS 331410) is Mortgage Loan Officer at Bell Bank, based in Minneapolis, 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: Down payment assistance, FHA loan, Jumbo loan, Physician and medical professional and USDA loan. Last verified 2026-10-16. ## Quick answers ### Is Karin licensed? Karin 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 Karin do down payment assistance? Karin's profile lists down payment assistance as a focus (from their lender profile page). It also lists FHA loan, jumbo loan and physician and medical professional. Source: https://bell.bank/mortgage/loan-officer/karinwald. ### What lender does Karin work for? Bell Bank, company NMLS 419538, from the Minneapolis, MN office, per the lender's own site (verified 2026-10-16). Source: https://bell.bank/mortgage/loan-officer/karinwald. ## 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) - **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/karinwald - **FHA loan** (`fha`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/karinwald - **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/karinwald - **Physician and medical professional** (`physician`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/karinwald - **USDA loan** (`usda`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/karinwald - **VA loan** (`va`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/karinwald - **Construction loan** (`construction`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/karinwald - **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/karinwald ## Facts from the lender page and intro - years_experience: since 2001. Source: https://bell.bank/mortgage/loan-officer/karinwald, verified 2026-10-16. - credential: Super Mortgage Professional (honors and awards). Source: https://bell.bank/mortgage/loan-officer/karinwald, verified 2026-10-16. - credential: Presidents Club (honors and awards). Source: https://bell.bank/mortgage/loan-officer/karinwald, verified 2026-10-16. - community: Affordable Housing. Source: https://bell.bank/mortgage/loan-officer/karinwald, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| ## Employment history - ? to present: Bell Bank (NMLS 419538), Minneapolis, MN. Source: https://bell.bank/mortgage/loan-officer/karinwald, 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/331410 ## Contact - linkedin_url: https://www.linkedin.com/in/karinwald/ (source: lender_site, verified 2026-10-16) - View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/karinwald - Email on file: shown at https://lendb.ai/lo/karin-wald-331410#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/331410 - lender_site: https://bell.bank/mortgage/loan-officer/karinwald Cite as: Karin Wald (NMLS 331410), Bell Bank. LenDb.ai, https://lendb.ai/lo/karin-wald-331410, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._