Nick Kalkman
Mortgage Loan Officer at Bell Bank · Lilydale, MN
NMLS ID 848682 (opens in a new tab) · verify at NMLS Consumer Access
Nick Kalkman, NMLS 848682, works as a Mortgage Loan Officer at Bell Bank in Lilydale, Minnesota. Nick's lender page shows a focus on physician and medical professional, real estate investor and vacation home.
Last verified . Sources: Bell Bank (bell.bank) and NMLS Consumer Access (license status, check live).
- 10 years experience (stated)
- Likely federally registered
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Nick licensed?
- Nick 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 Nick list physician and medical professional as a focus?
- Nick's profile lists physician and medical professional as a focus (from their lender profile page). It also lists real estate investor, vacation home and first-time buyer.
- Source: lender page (opens in a new tab)
- What lender does Nick work for?
- Bell Bank, company NMLS 419538, from the Lilydale, MN office, per the lender's own site (verified 2026-10-16).
- Source: lender site (opens in a new tab)
- How much experience does Nick have?
- Nick states 10 years of experience.
- Source: the loan officer's own statement (opens in a new tab)
Specialties
Focus
- Focus: Physician and medical professional(from their lender profile page)
- Focus: Real estate investor(from their lender profile page)
- Focus: Vacation home(from their lender profile page)
- Focus: First-time buyer(from their lender profile page)
Where we saw these: bell.bank (opens in a new tab)
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
No license list on file yet. Check NMLS Consumer Access (opens in a new tab) for every state this person is licensed in.
Likely federally registered: works at a bank. Federally registered MLOs aren't state-licensed; verify at NMLS (NMLS Consumer Access (opens in a new tab)).
Contact
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- Profile (opens in a new tab)
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Employment history
Bell Bank NMLS 419538
Current · Lilydale, MN · seen on lender site 2026-10-16
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
- Credentials
- Super Mortgage Professional (honors and awards)
- Source (opens in a new tab), verified 2026-10-16
- Community
- Coaches soccer, baseball, and basketball; involved in kids' school activities
- Source (opens in a new tab), verified 2026-10-16
Sources
| Name and employer | lender site · bell.bank (opens in a new tab) | verified 2026-10-16 |
| Specialties | lender site · bell.bank (opens in a new tab) | verified 2026-10-26 |
| Contact | lender site · bell.bank (opens in a new tab) | verified 2026-10-16 |
| Photo | lender site · bell.bank (opens in a new tab) | verified 2026-10-16 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Nick Kalkman (NMLS 848682), Bell Bank. LenDb.ai, https://lendb.ai/lo/nick-kalkman-848682, last verified 2026-10-16.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.