---
canonical_url: https://lendb.ai/lo/kathy-rheault-495032
json_url: https://lendb.ai/lo/kathy-rheault-495032.json
nmls_id: 495032
last_verified: 2026-10-16
---

# Kathy Rheault

VP/Mortgage Loan Officer at Bell Bank, West Fargo, ND. NMLS ID 495032 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/495032)).

Kathy Rheault, NMLS 495032, works as a mortgage loan officer at Bell Bank in West Fargo, North Dakota. Kathy's lender page shows a focus on down payment assistance, FHA loan and USDA loan.

**Summary:** Kathy Rheault (NMLS 495032) is VP/Mortgage Loan Officer at Bell Bank, based in West 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, FHA loan, USDA loan and VA loan. Last verified 2026-10-16.

## Quick answers

### Is Kathy licensed?

Kathy 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 Kathy do down payment assistance?

Kathy's profile lists down payment assistance as a focus (from their lender profile page). It also lists FHA loan, USDA loan and VA loan. Source: https://bell.bank/mortgage/loan-officer/kathyrheault.

### What lender does Kathy work for?

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

## 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/kathyrheault
- **FHA loan** (`fha`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/kathyrheault
- **USDA loan** (`usda`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/kathyrheault
- **VA loan** (`va`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/kathyrheault

## Facts from the lender page and intro

- credential: Past President's Club. Source: https://bell.bank/mortgage/loan-officer/kathyrheault, verified 2026-10-16.
- community: Fargo-Moorhead Area Association of Realtors (FMAAR), Habitat for Humanity Build. Source: https://bell.bank/mortgage/loan-officer/kathyrheault, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Bell Bank (NMLS 419538), West Fargo, ND. Source: https://bell.bank/mortgage/loan-officer/kathyrheault, 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/495032

## Contact

- linkedin_url: https://www.linkedin.com/in/kathy-rheault-19b269180/ (source: lender_site, verified 2026-10-16)
- View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/kathyrheault
- Office phone and Email on file: shown at https://lendb.ai/lo/kathy-rheault-495032#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/495032
- lender_site: https://bell.bank/mortgage/loan-officer/kathyrheault

Cite as: Kathy Rheault (NMLS 495032), Bell Bank. LenDb.ai, https://lendb.ai/lo/kathy-rheault-495032, last verified 2026-10-16.

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