---
canonical_url: https://lendb.ai/lo/michele-kepplinger-240696
json_url: https://lendb.ai/lo/michele-kepplinger-240696.json
nmls_id: 240696
last_verified: 2026-10-16
---

# Michele Kepplinger

Senior Mortgage Loan Officer at Bell Bank, Gilbert, AZ. NMLS ID 240696 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/240696)).

Based in Gilbert, Arizona, Michele Kepplinger (NMLS 240696) is a Senior Mortgage Loan Officer at Bell Bank. Michele's focus, from their own profile, includes jumbo loan, physician and medical professional and FHA loan.

**Summary:** Michele Kepplinger (NMLS 240696) 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: Jumbo loan, Physician and medical professional, FHA loan, USDA loan and VA loan. Last verified 2026-10-16.

## Quick answers

### Is Michele licensed?

Michele 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 Michele do jumbo loans?

Michele's profile lists jumbo loan as a focus (from their lender profile page). It also lists physician and medical professional, FHA loan and USDA loan. Source: https://bell.bank/mortgage/loan-officer/michelemk.

### What lender does Michele 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/michelemk.

## 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)

- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/michelemk
- **Physician and medical professional** (`physician`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/michelemk
- **FHA loan** (`fha`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/michelemk
- **USDA loan** (`usda`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/michelemk
- **VA loan** (`va`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/michelemk
- **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/michelemk

## Video intro available

Michele has a short recorded video intro on Bell Bank's site.

Watch on Bell Bank's site: https://bell.bank/mortgage/loan-officer/michelemk

The recording is hosted by the lender; LenDb does not copy or transcribe it. 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/michelemk, 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/240696

## Contact

- View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/michelemk
- Office phone and Email on file: shown at https://lendb.ai/lo/michele-kepplinger-240696#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/240696
- lender_site: https://bell.bank/mortgage/loan-officer/michelemk

Cite as: Michele Kepplinger (NMLS 240696), Bell Bank. LenDb.ai, https://lendb.ai/lo/michele-kepplinger-240696, last verified 2026-10-16.

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