---
canonical_url: https://lendb.ai/lo/tim-oster-452508
json_url: https://lendb.ai/lo/tim-oster-452508.json
nmls_id: 452508
last_verified: 2026-10-16
---

# Tim Oster

Mortgage Banker at Bell Bank, Minneapolis, MN. NMLS ID 452508 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/452508)).

Tim Oster, NMLS 452508, works as a Mortgage Banker at Bell Bank in Minneapolis, Minnesota. Tim's lender page shows a focus on jumbo loan, vacation home and FHA loan.

**Summary:** Tim Oster (NMLS 452508) is Mortgage Banker 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. Focus areas shown on the lender page: Jumbo loan, Vacation home, FHA loan, USDA loan and VA loan. States 17 years of experience. Last verified 2026-10-16.

## Quick answers

### Is Tim licensed?

Tim 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 Tim do jumbo loans?

Tim's profile lists jumbo loan as a focus (from their lender profile page). It also lists vacation home, FHA loan and USDA loan. Source: https://bell.bank/mortgage/loan-officer/timoster.

### What lender does Tim 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/timoster.

### How much experience does Tim have?

Tim states 17 years of experience. Source: https://bell.bank/mortgage/loan-officer/timoster.

## 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): 17 (source: https://bell.bank/mortgage/loan-officer/timoster, 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)

- **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/timoster
- **Vacation home** (`vacation-home`): from their lender profile page, confidence 0.70, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/timoster
- **FHA loan** (`fha`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/timoster
- **USDA loan** (`usda`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/timoster
- **VA loan** (`va`): from their lender profile page, confidence 0.69, verified 2026-10-26. Source: https://bell.bank/mortgage/loan-officer/timoster
- **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/timoster

## Facts from the lender page and intro

- years_experience: 17. Source: https://bell.bank/mortgage/loan-officer/timoster, verified 2026-10-16.
- years_experience: since 2002. Source: https://bell.bank/mortgage/loan-officer/timoster, verified 2026-10-16.
- credential: Super Mortgage Professional, 2013 to 2025. Source: https://bell.bank/mortgage/loan-officer/timoster, verified 2026-10-16.

## 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/timoster, 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/452508

## Contact

- View profile at Bell Bank: https://bell.bank/mortgage/loan-officer/timoster
- Email on file: shown at https://lendb.ai/lo/tim-oster-452508#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/452508
- lender_site: https://bell.bank/mortgage/loan-officer/timoster

Cite as: Tim Oster (NMLS 452508), Bell Bank. LenDb.ai, https://lendb.ai/lo/tim-oster-452508, last verified 2026-10-16.

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