{
  "canonical_url": "https://lendb.ai/lo/nick-kalkman-848682",
  "lede": {
    "text": "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.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Nick licensed?",
      "a": "Nick works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-16"
    },
    {
      "q": "Does Nick list physician and medical professional as a focus?",
      "a": "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.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Nick work for?",
      "a": "Bell Bank, company NMLS 419538, from the Lilydale, MN office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How much experience does Nick have?",
      "a": "Nick states 10 years of experience.",
      "fields": [
        "years_experience"
      ],
      "source": "the loan officer's own statement",
      "source_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
      "verified_at": "2026-10-16"
    }
  ],
  "field_notes": {
    "languages": "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."
  },
  "loan_officer": {
    "nmls_id": 848682,
    "slug": "nick-kalkman-848682",
    "canonical_url": "https://lendb.ai/lo/nick-kalkman-848682",
    "md_url": "https://lendb.ai/lo/nick-kalkman-848682.md",
    "json_url": "https://lendb.ai/lo/nick-kalkman-848682.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/848682",
    "full_name": {
      "value": "Nick Kalkman",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
      "verified_at": "2026-10-16"
    },
    "first_name": "Nick",
    "last_name": "Kalkman",
    "headshot_url": {
      "value": "https://edge.sitecorecloud.io/bellbank1e14e-bellbankab0c-prod3ddb-d33b/media/project/bellbank/bellbankcorporate/mortgage/lender-sites/loan-officers/nick-kalkman/nick-kalkman-profile-image.png?h=108&iar=0&w=108",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
      "verified_at": "2026-10-16"
    },
    "bio": null,
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 10,
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 419538,
      "lender_name": "Bell Bank",
      "lender_slug": "bell-bank-419538",
      "branch_city": "Lilydale",
      "branch_state": "MN",
      "branch_zip": "55118",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 419538,
        "lender_name": "Bell Bank",
        "lender_slug": "bell-bank-419538",
        "branch_city": "Lilydale",
        "branch_state": "MN",
        "branch_zip": "55118",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "physician",
        "label": "Physician and medical professional",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.45,
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/nick-kalkman-1364314/",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
        "verified_at": "2026-10-16"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "10",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "credential",
        "value": "Super Mortgage Professional (honors and awards)",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "community",
        "value": "Coaches soccer, baseball, and basketball; involved in kids' school activities",
        "source": "lender_site",
        "source_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-16 08:46:16.707735+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/nick-kalkman-848682#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://bell.bank/mortgage/loan-officer/nickkalkman",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}