--- canonical_url: https://lendb.ai/lo/kim-lynch-655407 json_url: https://lendb.ai/lo/kim-lynch-655407.json nmls_id: 655407 last_verified: 2026-10-16 --- # Kim Lynch Senior Mortgage Loan Officer at Bell Bank, Gilbert, AZ. NMLS ID 655407 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/655407)). Kim Lynch, NMLS 655407, works as a Senior Mortgage Loan Officer at Bell Bank in Gilbert, Arizona. Kim's lender page shows a focus on FHA loan, jumbo loan and physician and medical professional. **Summary:** Kim Lynch (NMLS 655407) is Senior Mortgage Loan Officer at Bell Bank, based in Gilbert, AZ. 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: FHA loan, Jumbo loan, Physician and medical professional, Real estate investor and VA loan. States 25 years of experience. 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 FHA loans? Kim's profile lists FHA loan as a focus (from their lender profile page). It also lists jumbo loan, physician and medical professional and real estate investor. Source: https://bell.bank/mortgage/loan-officer/kimlynchteam. ### What lender does Kim work for? Bell Bank, company NMLS 419538, from the Gilbert, AZ office, per the lender's own site (verified 2026-10-16). Source: https://bell.bank/mortgage/loan-officer/kimlynchteam. ### How much experience does Kim have? Kim states 25 years of experience. Source: https://bell.bank/mortgage/loan-officer/kimlynchteam. ## 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): 25 (source: https://bell.bank/mortgage/loan-officer/kimlynchteam, 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) - **FHA loan** (`fha`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/kimlynchteam - **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/kimlynchteam - **Physician and medical professional** (`physician`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/kimlynchteam - **Real estate investor** (`investor`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/kimlynchteam - **VA loan** (`va`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/kimlynchteam - **Construction loan** (`construction`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/kimlynchteam - **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.68, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/kimlynchteam ## Facts from the lender page and intro - years_experience: 25. Source: https://bell.bank/mortgage/loan-officer/kimlynchteam, verified 2026-10-16. - education: High school and college in Oklahoma. Source: https://bell.bank/mortgage/loan-officer/kimlynchteam, verified 2026-10-16. - credential: Top 1% of Mortgage Originators in America. Source: https://bell.bank/mortgage/loan-officer/kimlynchteam, verified 2026-10-16. - credential: Five Star Professional Award. Source: https://bell.bank/mortgage/loan-officer/kimlynchteam, verified 2026-10-16. - credential: Multi-year winner Top Female Originators in America, Scotsman Guide. Source: https://bell.bank/mortgage/loan-officer/kimlynchteam, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| ## Employment history - ? to present: Bell Bank (NMLS 419538), Gilbert, AZ. Source: https://bell.bank/mortgage/loan-officer/kimlynchteam, 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/655407 ## Contact - View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/kimlynchteam - Email on file: shown at https://lendb.ai/lo/kim-lynch-655407#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/655407 - lender_site: https://bell.bank/mortgage/loan-officer/kimlynchteam Cite as: Kim Lynch (NMLS 655407), Bell Bank. LenDb.ai, https://lendb.ai/lo/kim-lynch-655407, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._