{
  "canonical_url": "https://lendb.ai/lo/clifton-krotz-1838840",
  "lede": {
    "text": "Clifton Krotz (NMLS 1838840) is a Loan Officer at Granite Bank in Lake Elmo, Minnesota.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Clifton licensed?",
      "a": "Clifton 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": "What lender does Clifton work for?",
      "a": "Granite Bank, company NMLS 405434, from the Lake Elmo, 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/cliftonkrotz/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "How long has Clifton been licensed?",
      "a": "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.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Wisconsin state regulator",
      "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
      "verified_at": "2026-10-21"
    }
  ],
  "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": 1838840,
    "slug": "clifton-krotz-1838840",
    "canonical_url": "https://lendb.ai/lo/clifton-krotz-1838840",
    "md_url": "https://lendb.ai/lo/clifton-krotz-1838840.md",
    "json_url": "https://lendb.ai/lo/clifton-krotz-1838840.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1838840",
    "full_name": {
      "value": "Clifton Krotz",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/cliftonkrotz/",
      "verified_at": "2026-10-26"
    },
    "first_name": "Clifton",
    "last_name": "Krotz",
    "headshot_url": {
      "value": "https://granitebank.com/wp-content/uploads/2026/01/Clifton-Krotz-1080-300x300.png",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/cliftonkrotz/",
      "verified_at": "2026-10-26"
    },
    "bio": {
      "value": "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.",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/cliftonkrotz/",
      "verified_at": "2026-10-26"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/cliftonkrotz/",
      "verified_at": "2026-10-26"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/cliftonkrotz/",
      "verified_at": "2026-10-26"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 405434,
      "lender_name": "Granite Bank",
      "lender_slug": "granite-bank-405434",
      "branch_city": "Lake Elmo",
      "branch_state": "MN",
      "branch_zip": "55042",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://granitebank.com/loan-officer/cliftonkrotz/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/cliftonkrotz/",
      "verified_at": "2026-10-26"
    },
    "employment_history": [
      {
        "lender_nmls_id": 405434,
        "lender_name": "Granite Bank",
        "lender_slug": "granite-bank-405434",
        "branch_city": "Lake Elmo",
        "branch_state": "MN",
        "branch_zip": "55042",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://granitebank.com/loan-officer/cliftonkrotz/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/cliftonkrotz/",
        "verified_at": "2026-10-26"
      }
    ],
    "licenses": [
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "1838840",
        "status": "expired",
        "issued_at": "2020-02-27",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/cliftonkrotz/",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/cliftonkrotz/",
        "verified_at": "2026-10-26"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2017",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/cliftonkrotz/",
        "verified_at": "2026-10-26"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 12:36:31.990857+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/clifton-krotz-1838840#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/cliftonkrotz/",
      "verified_at": "2026-10-26"
    },
    "earliest_license_record": {
      "date": "2020-02-27",
      "state": "WI"
    },
    "licensed_since": {
      "year": 2020,
      "state": "WI"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}