---
canonical_url: https://lendb.ai/lo/caroline-sommer-2340244
json_url: https://lendb.ai/lo/caroline-sommer-2340244.json
nmls_id: 2340244
last_verified: 2026-10-26
---

# Caroline Sommer

Loan Officer at Granite Bank, Champlin, MN. NMLS ID 2340244 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2340244)).

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.

**Summary:** Caroline Sommer (NMLS 2340244) is Loan Officer at Granite Bank, based in Champlin, 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: Real estate investor and Self-employed. Last verified 2026-10-26.

## Quick answers

### Is Caroline licensed?

Caroline 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 Caroline list real estate investor as a focus?

Caroline's profile lists real estate investor as a focus (from their lender profile page). It also lists self-employed. Source: https://granitebank.com/loan-officer/carolinesommer/.

### What lender does Caroline work for?

Granite Bank, company NMLS 405434, from the Champlin, MN office, per the lender's own site (verified 2026-10-26). Source: https://granitebank.com/loan-officer/carolinesommer/.

## 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.
- 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)

- **Real estate investor** (`investor`): from their lender profile page, confidence 0.90, verified 2026-10-26. Source: https://granitebank.com/loan-officer/carolinesommer/
- **Self-employed** (`self-employed`): from their lender profile page, confidence 0.90, verified 2026-10-26. Source: https://granitebank.com/loan-officer/carolinesommer/

## About

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: LenDb summary of the lender page, verified 2026-10-26.

## Facts from the lender page and intro

- service_area: Twin Cities metro area. Source: https://granitebank.com/loan-officer/carolinesommer/, verified 2026-10-26.
- other: Began mortgage career in Anchorage, Alaska, on the operations side. Source: https://granitebank.com/loan-officer/carolinesommer/, verified 2026-10-26.
- other: Prior work in marketing, grant writing, education and customer service. Source: https://granitebank.com/loan-officer/carolinesommer/, verified 2026-10-26.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Granite Bank (NMLS 405434), Champlin, MN. Source: https://granitebank.com/loan-officer/carolinesommer/, verified 2026-10-26.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2340244

## Contact

- View profile at Granite Bank: https://granitebank.com/loan-officer/carolinesommer/
- Office phone and Email on file: shown at https://lendb.ai/lo/caroline-sommer-2340244#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2340244
- lender_site: https://granitebank.com/loan-officer/carolinesommer/

Cite as: Caroline Sommer (NMLS 2340244), Granite Bank. LenDb.ai, https://lendb.ai/lo/caroline-sommer-2340244, last verified 2026-10-26.

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