---
canonical_url: https://lendb.ai/lo/nick-kalkman-848682
json_url: https://lendb.ai/lo/nick-kalkman-848682.json
nmls_id: 848682
last_verified: 2026-10-16
---

# Nick Kalkman

Mortgage Loan Officer at Bell Bank, Lilydale, MN. NMLS ID 848682 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/848682)).

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.

**Summary:** Nick Kalkman (NMLS 848682) is Mortgage Loan Officer at Bell Bank, based in Lilydale, MN. 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: Physician and medical professional, Real estate investor, Vacation home and First-time buyer. States 10 years of experience. Last verified 2026-10-16.

## 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: https://bell.bank/mortgage/loan-officer/nickkalkman.

### 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: https://bell.bank/mortgage/loan-officer/nickkalkman.

### How much experience does Nick have?

Nick states 10 years of experience. Source: https://bell.bank/mortgage/loan-officer/nickkalkman.

## 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): 10 (source: https://bell.bank/mortgage/loan-officer/nickkalkman, 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)

- **Physician and medical professional** (`physician`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/nickkalkman
- **Real estate investor** (`investor`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/nickkalkman
- **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/nickkalkman
- **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/nickkalkman

## Facts from the lender page and intro

- years_experience: 10. Source: https://bell.bank/mortgage/loan-officer/nickkalkman, verified 2026-10-16.
- credential: Super Mortgage Professional (honors and awards). Source: https://bell.bank/mortgage/loan-officer/nickkalkman, verified 2026-10-16.
- community: Coaches soccer, baseball, and basketball; involved in kids' school activities. Source: https://bell.bank/mortgage/loan-officer/nickkalkman, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: Bell Bank (NMLS 419538), Lilydale, MN. Source: https://bell.bank/mortgage/loan-officer/nickkalkman, 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/848682

## Contact

- linkedin_url: https://www.linkedin.com/in/nick-kalkman-1364314/ (source: lender_site, verified 2026-10-16)
- View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/nickkalkman
- Email on file: shown at https://lendb.ai/lo/nick-kalkman-848682#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/848682
- lender_site: https://bell.bank/mortgage/loan-officer/nickkalkman

Cite as: Nick Kalkman (NMLS 848682), Bell Bank. LenDb.ai, https://lendb.ai/lo/nick-kalkman-848682, last verified 2026-10-16.

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