Larry Kowalczyk's Lending Officer Site
Larry Kowalczyk

I am committed to finding the right mortgage for you!

Larry Kowalczyk

Senior Mortgage Loan Officer
NMLS #284851

Meet Larry Kowalczyk

I have dedicated my career to developing and maintaining a comprehensive understanding of the mortgage business. For most people, your home is the largest and most important asset of your financial plan. It is critical to work with someone who will take the time to listen to your needs. The lowest interest rate or payment on the wrong mortgage program can be very costly. With my 25+ years of mortgage banking/real estate experience, my commitment is to deliver professional and personalized service, customized to meet the objects that my customers desire.

Our process is smooth and simple from start to finish:

  1. Talk with me. I will work with you to help you determine your financing options and answer all your questions.
  2. Apply Online. Complete your mortgage application at your convenience through our online application.
  3. Work together through final approval. From the time your application is received, I work with you to ensure you move through the process checkpoints to final approval.
  4. Closing on your loan. Prior to loan closing, I will review the Closing Disclosure, funds needed and documentation to bring to close with you. On closing day the final documents are signed at the title company and you receive the keys to your new home!
  • Everyone I have sent your way has come back and said, “Thanks for the referral,” because they have been very happy and satisfied with the service you have provided. It is your professionalism that keeps me sending/referring people to you.

  • You clearly have your clients’ best interest in mind by making sure that it is the best deal for them. I will absolutely think of you when I have clients who need financing.

  • Thank you again for all your efforts in getting us in our new home. We are surrounded by boxes and eating take-out, but at least we are in! I know you and your team did not make enough money off this loan to justify the time it took to do the other company's job for them as well. The professionalism of you and your team was commendable, thank you.

  • Thank you for the smooth transaction! It was great working with you, and I will certainly recommend you to anyone who asks me about a lender. You were the best part of the transaction, and I appreciate your knowledge and responsiveness.

About Bell Bank Mortgage

Helping our customers find the smart way home for more than 130 years, Bell Bank Mortgage has a reputation for exceptional service and high integrity standards. Our culture centers on customer care and transparency from first contact. We help simplify what is often a very complex system. Applying for a loan is made easy, as our loan officers walk you through the process and the documents needed to support your loan request. Plus, our state-of-the-art technology helps make the mortgage process as stress-free as possible.

We believe that relationships are the key to our continued success and are dedicated to creating the simplest, fastest, efficient and most satisfying experience for our borrowers. You’ll see the Bell Bank Mortgage difference as soon as you meet with one of our loan officers. We take the time to truly get to know you and your financial situation.

The History of Bell Bank Mortgage

In 2011, Minneapolis-based Bell Mortgage became a part of what was then State Bank & Trust, in a history-making venture for both companies. Bell has literally been a part of Minnesota since the state’s infancy. The oldest and largest independent mortgage banking company in Minnesota, it was founded in 1880 by early Minneapolis leader David C. Bell. Since then, Bell Bank Mortgage has added locations throughout the Twin Cities and in Phoenix, developed its own proprietary technology for processing and underwriting, and has thousands of family mortgages to its name.

In 2012, State Bank & Trust rebranded as Bell State Bank & Trust, taking on the Bell name to give a more unique identity to a known and respected regional brand. Bell State Bank & Trust shortened its name to Bell Bank in August of 2016, with the mortgage division becoming Bell Bank Mortgage to simplify the brand while retaining the familiar “trees” logo.

Our Commitment to You

Over the years, we have worked with thousands of individuals and families, making home ownership a reality for them. We would love the opportunity to work with you. At Bell Bank Mortgage, we process, underwrite and close your loan within the walls of our office. In-house administration of your loan means we can ensure a quick, accurate and smooth process all the way to closing day.

Meet Larry Kowalczyk

I have dedicated my career to developing and maintaining a comprehensive understanding of the mortgage business. For most people, your home is the largest and most important asset of your financial plan. It is critical to work with someone who will take the time to listen to your needs. The lowest interest rate or payment on the wrong mortgage program can be very costly. With my 25+ years of mortgage banking/real estate experience, my commitment is to deliver professional and personalized service, customized to meet the objects that my customers desire.

Our process is smooth and simple from start to finish:

  1. Talk with me. I will work with you to help you determine your financing options and answer all your questions.
  2. Apply Online. Complete your mortgage application at your convenience through our online application.
  3. Work together through final approval. From the time your application is received, I work with you to ensure you move through the process checkpoints to final approval.
  4. Closing on your loan. Prior to loan closing, I will review the Closing Disclosure, funds needed and documentation to bring to close with you. On closing day the final documents are signed at the title company and you receive the keys to your new home!
  • Everyone I have sent your way has come back and said, “Thanks for the referral,” because they have been very happy and satisfied with the service you have provided. It is your professionalism that keeps me sending/referring people to you.

  • You clearly have your clients’ best interest in mind by making sure that it is the best deal for them. I will absolutely think of you when I have clients who need financing.

  • Thank you again for all your efforts in getting us in our new home. We are surrounded by boxes and eating take-out, but at least we are in! I know you and your team did not make enough money off this loan to justify the time it took to do the other company's job for them as well. The professionalism of you and your team was commendable, thank you.

  • Thank you for the smooth transaction! It was great working with you, and I will certainly recommend you to anyone who asks me about a lender. You were the best part of the transaction, and I appreciate your knowledge and responsiveness.

About Bell Bank Mortgage

Helping our customers find the smart way home for more than 130 years, Bell Bank Mortgage has a reputation for exceptional service and high integrity standards. Our culture centers on customer care and transparency from first contact. We help simplify what is often a very complex system. Applying for a loan is made easy, as our loan officers walk you through the process and the documents needed to support your loan request. Plus, our state-of-the-art technology helps make the mortgage process as stress-free as possible.

We believe that relationships are the key to our continued success and are dedicated to creating the simplest, fastest, efficient and most satisfying experience for our borrowers. You’ll see the Bell Bank Mortgage difference as soon as you meet with one of our loan officers. We take the time to truly get to know you and your financial situation.

The History of Bell Bank Mortgage

In 2011, Minneapolis-based Bell Mortgage became a part of what was then State Bank & Trust, in a history-making venture for both companies. Bell has literally been a part of Minnesota since the state’s infancy. The oldest and largest independent mortgage banking company in Minnesota, it was founded in 1880 by early Minneapolis leader David C. Bell. Since then, Bell Bank Mortgage has added locations throughout the Twin Cities and in Phoenix, developed its own proprietary technology for processing and underwriting, and has thousands of family mortgages to its name.

In 2012, State Bank & Trust rebranded as Bell State Bank & Trust, taking on the Bell name to give a more unique identity to a known and respected regional brand. Bell State Bank & Trust shortened its name to Bell Bank in August of 2016, with the mortgage division becoming Bell Bank Mortgage to simplify the brand while retaining the familiar “trees” logo.

Our Commitment to You

Over the years, we have worked with thousands of individuals and families, making home ownership a reality for them. We would love the opportunity to work with you. At Bell Bank Mortgage, we process, underwrite and close your loan within the walls of our office. In-house administration of your loan means we can ensure a quick, accurate and smooth process all the way to closing day.