--- canonical_url: https://lendb.ai/lo/kim-hoeft-524528 json_url: https://lendb.ai/lo/kim-hoeft-524528.json nmls_id: 524528 last_verified: 2026-10-16 --- # Kim Hoeft Senior Loan Officer at Bell Bank, Hastings, MN. NMLS ID 524528 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/524528)). Kim Hoeft, NMLS 524528, works as a Senior Loan Officer at Bell Bank in Hastings, Minnesota. Kim's lender page shows a focus on down payment assistance, FHA loan and USDA loan. **Summary:** Kim Hoeft (NMLS 524528) is Senior Loan Officer at Bell Bank, based in Hastings, 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, USDA loan, VA loan and First-time buyer. Earliest state license record: August 2, 2011 (Wisconsin), per state regulator. Last verified 2026-10-16. ## Quick answers ### Is Kim licensed? Kim 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 Kim do down payment assistance? Kim'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/kimhoeft. ### What lender does Kim work for? Bell Bank, company NMLS 419538, from the Hastings, MN office, per the lender's own site (verified 2026-10-16). Source: https://bell.bank/mortgage/loan-officer/kimhoeft. ### How long has Kim been licensed? The earliest state license record LenDb holds for Kim is from August 2, 2011 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/. ## At a glance - Earliest state license record: August 2, 2011 (Wisconsin), per state regulator. 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/kimhoeft - **FHA loan** (`fha`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/kimhoeft - **USDA loan** (`usda`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/kimhoeft - **VA loan** (`va`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/kimhoeft - **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/kimhoeft ## Facts from the lender page and intro - community: Hastings Chamber of Commerce. Source: https://bell.bank/mortgage/loan-officer/kimhoeft, verified 2026-10-16. - credential: Super Mortgage Professional. Source: https://bell.bank/mortgage/loan-officer/kimhoeft, verified 2026-10-16. - credential: Bell Platinum Club. Source: https://bell.bank/mortgage/loan-officer/kimhoeft, verified 2026-10-16. - credential: Bell Presidents Club. Source: https://bell.bank/mortgage/loan-officer/kimhoeft, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | WI | Wisconsin regulator | state_license | 524528 | expired | confirmed | 2011-08-02 | state_regulator | 2026-10-21 | ## Employment history - ? to present: Bell Bank (NMLS 419538), Hastings, MN. Source: https://bell.bank/mortgage/loan-officer/kimhoeft, 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/524528 ## Contact - View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/kimhoeft - Office phone and Email on file: shown at https://lendb.ai/lo/kim-hoeft-524528#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/524528 - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - lender_site: https://bell.bank/mortgage/loan-officer/kimhoeft Cite as: Kim Hoeft (NMLS 524528), Bell Bank. LenDb.ai, https://lendb.ai/lo/kim-hoeft-524528, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._