---
canonical_url: https://lendb.ai/lo/matt-havel-698638
json_url: https://lendb.ai/lo/matt-havel-698638.json
nmls_id: 698638
last_verified: 2026-10-16
---

# Matt Havel

Senior Mortgage Loan Officer at Bell Bank, Minneapolis, MN. NMLS ID 698638 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/698638)).

Matt Havel, NMLS 698638, works as a Senior Mortgage Loan Officer at Bell Bank in Minneapolis, Minnesota.

**Summary:** Matt Havel (NMLS 698638) is Senior Mortgage Loan Officer at Bell Bank, based in Minneapolis, MN. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Last verified 2026-10-16.

## Quick answers

### Is Matt licensed?

Matt 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.

### What lender does Matt work for?

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

## 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)

- None on file yet.

## Licenses

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

## Employment history

- ? to present: Bell Bank (NMLS 419538), Minneapolis, MN. Source: https://bell.bank/mortgage/loan-officer/matthavel, 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/698638

## Contact

- View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/matthavel
- Office phone and Email on file: shown at https://lendb.ai/lo/matt-havel-698638#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/698638
- lender_site: https://bell.bank/mortgage/loan-officer/matthavel

Cite as: Matt Havel (NMLS 698638), Bell Bank. LenDb.ai, https://lendb.ai/lo/matt-havel-698638, last verified 2026-10-16.

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