{
  "canonical_url": "https://lendb.ai/lo/caroline-sommer-2340244",
  "lede": {
    "text": "Caroline Sommer (NMLS 2340244) is a Loan Officer at Granite Bank in Champlin, Minnesota. Caroline's own profile lists real estate investor and self-employed as a focus.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Caroline licensed?",
      "a": "Caroline works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-26"
    },
    {
      "q": "Does Caroline list real estate investor as a focus?",
      "a": "Caroline's profile lists real estate investor as a focus (from their lender profile page). It also lists self-employed.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://granitebank.com/loan-officer/carolinesommer/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Caroline work for?",
      "a": "Granite Bank, company NMLS 405434, from the Champlin, MN office, per the lender's own site (verified 2026-10-26).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://granitebank.com/loan-officer/carolinesommer/",
      "verified_at": "2026-10-26"
    }
  ],
  "field_notes": {
    "languages": "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."
  },
  "loan_officer": {
    "nmls_id": 2340244,
    "slug": "caroline-sommer-2340244",
    "canonical_url": "https://lendb.ai/lo/caroline-sommer-2340244",
    "md_url": "https://lendb.ai/lo/caroline-sommer-2340244.md",
    "json_url": "https://lendb.ai/lo/caroline-sommer-2340244.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2340244",
    "full_name": {
      "value": "Caroline Sommer",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/carolinesommer/",
      "verified_at": "2026-10-26"
    },
    "first_name": "Caroline",
    "last_name": "Sommer",
    "headshot_url": {
      "value": "https://granitebank.com/wp-content/uploads/2026/08/Caroline-Sommer-sq-copy-1-300x300.jpeg",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/carolinesommer/",
      "verified_at": "2026-10-26"
    },
    "bio": {
      "value": "Caroline Sommer is a loan officer in Champlin, Minnesota, serving clients across the Twin Cities metro. They specialize in working with self-employed borrowers and real estate investors. They began their mortgage career in Anchorage, Alaska, on the operations side.",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/carolinesommer/",
      "verified_at": "2026-10-26"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/carolinesommer/",
      "verified_at": "2026-10-26"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/carolinesommer/",
      "verified_at": "2026-10-26"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 405434,
      "lender_name": "Granite Bank",
      "lender_slug": "granite-bank-405434",
      "branch_city": "Champlin",
      "branch_state": "MN",
      "branch_zip": "55316",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://granitebank.com/loan-officer/carolinesommer/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/carolinesommer/",
      "verified_at": "2026-10-26"
    },
    "employment_history": [
      {
        "lender_nmls_id": 405434,
        "lender_name": "Granite Bank",
        "lender_slug": "granite-bank-405434",
        "branch_city": "Champlin",
        "branch_state": "MN",
        "branch_zip": "55316",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://granitebank.com/loan-officer/carolinesommer/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/carolinesommer/",
        "verified_at": "2026-10-26"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/carolinesommer/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/carolinesommer/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "service_area",
        "value": "Twin Cities metro area",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/carolinesommer/",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "other",
        "value": "Began mortgage career in Anchorage, Alaska, on the operations side",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/carolinesommer/",
        "verified_at": "2026-10-26"
      },
      {
        "kind": "other",
        "value": "Prior work in marketing, grant writing, education and customer service",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/carolinesommer/",
        "verified_at": "2026-10-26"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 12:35:19.868057+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/caroline-sommer-2340244#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/carolinesommer/",
      "verified_at": "2026-10-26"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}