Clifton Krotz
Loan Officer at Granite Bank · Lake Elmo, MN
NMLS ID 1838840 (opens in a new tab) · verify at NMLS Consumer Access
Clifton Krotz (NMLS 1838840) is a Loan Officer at Granite Bank in Lake Elmo, Minnesota.
Last verified . Sources: Granite Bank (granitebank.com), Wisconsin state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: February 27, 2020 (Wisconsin), per state regulator
- Likely federally registered
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Clifton licensed?
- Clifton 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
- What lender does Clifton work for?
- Granite Bank, company NMLS 405434, from the Lake Elmo, MN office, per the lender's own site (verified 2026-10-26).
- Source: lender site (opens in a new tab)
- How long has Clifton been licensed?
- The earliest state license record LenDb holds for Clifton is from February 27, 2020 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
- Source: Wisconsin state regulator (opens in a new tab)
Specialties
Focus
No focus listed on their lender page yet.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
No license list on file yet. Check NMLS Consumer Access (opens in a new tab) for every state this person is licensed in.
Regulator records not active: WI (expired).
Likely federally registered: works at a bank. Federally registered MLOs aren't state-licensed; verify at NMLS (NMLS Consumer Access (opens in a new tab)).
Contact
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Employment history
Granite Bank NMLS 405434
Current · Lake Elmo, MN · seen on lender site 2026-10-26
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Clifton Krotz is a Loan Officer in Lake Elmo, Minnesota. They have worked in the mortgage industry since 2017. Outside work, their profile mentions football, refereeing, biking, time with their dogs and lake life.
Our summary of the lender page. Verified 2026-10-26.
Sources
| Name and employer | lender site · granitebank.com (opens in a new tab) | verified 2026-10-26 |
| Licenses (regulator) | state regulator · dfi.wi.gov (opens in a new tab) | verified 2026-10-21 |
| Summary | lender site · granitebank.com (opens in a new tab) | verified 2026-10-26 |
| Contact | lender site · granitebank.com (opens in a new tab) | verified 2026-10-26 |
| Photo | lender site · granitebank.com (opens in a new tab) | verified 2026-10-26 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Clifton Krotz (NMLS 1838840), Granite Bank. LenDb.ai, https://lendb.ai/lo/clifton-krotz-1838840, last verified 2026-10-26.
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