Providing Smart Lending and Savvy Solutions

Darci Theede Hero Image

Meet Darci

At Bell Bank Mortgage, we know that every home buyer has their own unique situation as they consider home ownership. Purchasing a home is an exciting time in all of our lives, whether it is your first home, an upgrade, or a second home as you move through your life cycle.

No matter where you are in the process of homeownership, I’d love to be your trusted advisor.  My mission is to always guide you to the product that best suits YOU.    We have a wide array of loan programs to help make that happen!

As a lender in the Wahpeton, ND area for the past 25+ years, I have traveled through all areas of lending including retail, commercial, agricultural and mortgage.  This experience has enabled me to be a well-rounded lender with a lot of knowledge to offer my clients.  Helping all types of customers improve their financial situation is a passion of mine.  I love it when my clients refer their friends and family to me for their banking needs.

My husband, Todd, and I live in Wahpeton.  We have two grown daughters and 3 grandsons.  I enjoy spending time outdoors with our 2 Golden Irish dogs, Stella & Ruby, reading, camping and time with friends and family.

As bankers, we know it is a 24-7 job and I am open to questions at any time.  Reach out to me however works best for you – call, email, or stop by the bank!

Expertise & Specialties

  1. Refinance
  2. Purchases
  3. First-time Homebuyers
Get Connected

Tools and Resources


Download my electronic business card and get resources to help with your mortgage research.

Receive 24/7 access to various tools and calculators to help you research mortgage or refinance options. You can easily share this app with friends and family.

With access to multiple investors, we give clients the flexibility of highly competitive rates and a wide variety of loan programs. We have access to portfolio financing, which provides clients with more financing options


  • Calculate payments
  • Real time rate trends
  • Request a pre-approval
  • Share with family friends & clients


Click the link to download my digital business card!

With the Popl digital business card, you can make sure that you have my most up-to-date contact information!

Community Involvement

Optimist Club of Wahpeton - 20+ years
  • Treasurer - 15 years
Wahpeton Dollars for Scholars
  • Board Member - 20 years
  • Treasurer - 20 years
  • Golf Tournament Chair - 3 years
Darci Theede Family Photo
Darci Theede Family Photo