---
canonical_url: https://lendb.ai/lo/amber-lynn-kovarik-184992
json_url: https://lendb.ai/lo/amber-lynn-kovarik-184992.json
nmls_id: 184992
last_verified: 2026-10-09
---

# Amber Lynn Kovarik

Branch Manager at Guild Mortgage, Chandler, AZ. NMLS ID 184992 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/184992)).

**Summary:** Amber Lynn Kovarik (NMLS 184992) is Branch Manager at Guild Mortgage, based in Chandler, AZ. Lists Arizona and California on the lender page (not yet checked with the state regulator). States 19 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 19 (source: https://branches.guildmortgage.com/az/chandler/amber-kovarik-936-clak.html, verified 2026-10-09)
- Licensed in: Arizona (AZ, lender_reported), California (CA, lender_reported)
- 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
- Profile: unclaimed
- Status: active

## Specialties


## About

Amber has been helping families with mortgage needs for over 19 years and is consistently ranked in the top 1% of loan originators in the US. She and her team serve hundreds of families annually in Chandler, AZ.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 19. Source: https://branches.guildmortgage.com/az/chandler/amber-kovarik-936-clak.html, verified 2026-10-09.
- credential: Ranked in top 1% of loan originators in the US. Source: https://branches.guildmortgage.com/az/chandler/amber-kovarik-936-clak.html, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AZ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Guild Mortgage (NMLS 3274), Chandler, AZ. Source: https://branches.guildmortgage.com/az/chandler/amber-kovarik-936-clak.html, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/184992

## Contact

- linkedin_url: https://www.linkedin.com/in/amber-kovarik-60638313/ (source: lender_site, verified 2026-10-09)
- View profile at Guild Mortgage: https://branches.guildmortgage.com/az/chandler/amber-kovarik-936-clak.html
- Office phone and Email on file: shown at https://lendb.ai/lo/amber-lynn-kovarik-184992#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/184992
- lender_site: https://branches.guildmortgage.com/az/chandler/amber-kovarik-936-clak.html

Cite as: Amber Lynn Kovarik (NMLS 184992), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/amber-lynn-kovarik-184992, last verified 2026-10-09.

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