--- canonical_url: https://lendb.ai/lo/karla-vanraden-495035 json_url: https://lendb.ai/lo/karla-vanraden-495035.json nmls_id: 495035 last_verified: 2026-10-16 --- # Karla VanRaden VP/Mortgage Loan Officer at Bell Bank, Fargo, ND. NMLS ID 495035 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/495035)). Karla VanRaden (NMLS 495035) is a mortgage loan officer at Bell Bank in Fargo, North Dakota. Karla's own profile lists down payment assistance, new construction and physician and medical professional as a focus. **Summary:** Karla VanRaden (NMLS 495035) 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, New construction, Physician and medical professional, FHA loan and USDA loan. States 30 years of experience. Last verified 2026-10-16. ## Quick answers ### Is Karla licensed? Karla 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 Karla do down payment assistance? Karla's profile lists down payment assistance as a focus (from their lender profile page). It also lists new construction, physician and medical professional and FHA loan. Source: https://bell.bank/mortgage/loan-officer/karlavanraden. ### What lender does Karla 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/karlavanraden. ### How much experience does Karla have? Karla states 30 years of experience. Source: https://bell.bank/mortgage/loan-officer/karlavanraden. ## 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): 30 (source: https://bell.bank/mortgage/loan-officer/karlavanraden, 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/karlavanraden - **New construction** (`new-construction`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/karlavanraden - **Physician and medical professional** (`physician`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/karlavanraden - **FHA loan** (`fha`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/karlavanraden - **USDA loan** (`usda`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/karlavanraden - **VA loan** (`va`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/karlavanraden - **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/karlavanraden - **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/karlavanraden ## Facts from the lender page and intro - years_experience: 30. Source: https://bell.bank/mortgage/loan-officer/karlavanraden, verified 2026-10-16. - credential: Presidents Club for several years and Platinum Club in 2021. Source: https://bell.bank/mortgage/loan-officer/karlavanraden, verified 2026-10-16. - community: Fargo-Moorhead Area Association of Realtors, Fargo-Moorhead Home Builders Association, United Way, Habitat for Humanity. Source: https://bell.bank/mortgage/loan-officer/karlavanraden, 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/karlavanraden, 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/495035 ## Contact - View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/karlavanraden - Office phone and Email on file: shown at https://lendb.ai/lo/karla-vanraden-495035#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/495035 - lender_site: https://bell.bank/mortgage/loan-officer/karlavanraden Cite as: Karla VanRaden (NMLS 495035), Bell Bank. LenDb.ai, https://lendb.ai/lo/karla-vanraden-495035, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._