---
canonical_url: https://lendb.ai/lo/kelly-ratzloff-1102316
json_url: https://lendb.ai/lo/kelly-ratzloff-1102316.json
nmls_id: 1102316
last_verified: 2026-10-16
---

# Kelly Ratzloff

Mortgage Loan Officer at Bell Bank, Austin, MN. NMLS ID 1102316 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1102316)).

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.

**Summary:** Kelly Ratzloff (NMLS 1102316) is Mortgage Loan Officer at Bell Bank, based in Austin, 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 and First-time buyer. Last verified 2026-10-16.

## 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: https://bell.bank/mortgage/loan-officer/kellyratzloff.

### 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: https://bell.bank/mortgage/loan-officer/kellyratzloff.

## 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/kellyratzloff
- **FHA loan** (`fha`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/kellyratzloff
- **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/kellyratzloff

## Licenses

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

## Employment history

- ? to present: Bell Bank (NMLS 419538), Austin, MN. Source: https://bell.bank/mortgage/loan-officer/kellyratzloff, 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/1102316

## Contact

- View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/kellyratzloff
- Office phone and Email on file: shown at https://lendb.ai/lo/kelly-ratzloff-1102316#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1102316
- lender_site: https://bell.bank/mortgage/loan-officer/kellyratzloff

Cite as: Kelly Ratzloff (NMLS 1102316), Bell Bank. LenDb.ai, https://lendb.ai/lo/kelly-ratzloff-1102316, last verified 2026-10-16.

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