Kelly Ratzloff
Mortgage Loan Officer at Bell Bank · Austin, MN
NMLS ID 1102316 (opens in a new tab) · verify at NMLS Consumer Access
Kelly Ratzloff, NMLS 1102316, works as a Mortgage Loan Officer at Bell Bank in Austin, Minnesota. Kelly's lender page shows a focus on down payment assistance, FHA loan and first-time buyer.
Last verified . Sources: Bell Bank (bell.bank) and NMLS Consumer Access (license status, check live).
- Likely federally registered
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Kelly licensed?
- Kelly 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 Kelly do down payment assistance?
- Kelly's profile lists down payment assistance as a focus (from their lender profile page). It also lists FHA loan and first-time buyer.
- Source: lender page (opens in a new tab)
- What lender does Kelly work for?
- Bell Bank, company NMLS 419538, from the Austin, MN office, per the lender's own site (verified 2026-10-16).
- Source: lender site (opens in a new tab)
Specialties
Focus
- Focus: Down payment assistance(from their lender profile page)
- Focus: FHA loan(from their lender profile page)
- Focus: First-time buyer(from their lender profile page)
Where we saw these: bell.bank (opens in a new tab)
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
No license list on file yet. Check NMLS Consumer Access (opens in a new tab) for every state this person is licensed in.
Likely federally registered: works at a bank. Federally registered MLOs aren't state-licensed; verify at NMLS (NMLS Consumer Access (opens in a new tab)).
Contact
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Employment history
Bell Bank NMLS 419538
Current · Austin, MN · seen on lender site 2026-10-16
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
Sources
| Name and employer | lender site · bell.bank (opens in a new tab) | verified 2026-10-16 |
| Specialties | lender site · bell.bank (opens in a new tab) | verified 2026-10-26 |
| Contact | lender site · bell.bank (opens in a new tab) | verified 2026-10-16 |
| Photo | lender site · bell.bank (opens in a new tab) | verified 2026-10-16 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Kelly Ratzloff (NMLS 1102316), Bell Bank. LenDb.ai, https://lendb.ai/lo/kelly-ratzloff-1102316, last verified 2026-10-16.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.