---
canonical_url: https://lendb.ai/lo/clifton-krotz-1838840
json_url: https://lendb.ai/lo/clifton-krotz-1838840.json
nmls_id: 1838840
last_verified: 2026-10-26
---

# Clifton Krotz

Loan Officer at Granite Bank, Lake Elmo, MN. NMLS ID 1838840 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1838840)).

Clifton Krotz (NMLS 1838840) is a Loan Officer at Granite Bank in Lake Elmo, Minnesota.

**Summary:** Clifton Krotz (NMLS 1838840) is Loan Officer at Granite Bank, based in Lake Elmo, MN. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Earliest state license record: February 27, 2020 (Wisconsin), per state regulator. Last verified 2026-10-26.

## 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: https://granitebank.com/loan-officer/cliftonkrotz/.

### 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: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/.

## At a glance

- Earliest state license record: February 27, 2020 (Wisconsin), per state regulator. 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)

- None on file yet.

## 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.

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

## Facts from the lender page and intro

- years_experience: since 2017. Source: https://granitebank.com/loan-officer/cliftonkrotz/, verified 2026-10-26.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| WI | Wisconsin regulator | state_license | 1838840 | expired | confirmed | 2020-02-27 | state_regulator | 2026-10-21 |

## Employment history

- ? to present: Granite Bank (NMLS 405434), Lake Elmo, MN. Source: https://granitebank.com/loan-officer/cliftonkrotz/, 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/1838840

## Contact

- linkedin_url: https://www.linkedin.com/in/cliftonkrotz/ (source: lender_site, verified 2026-10-26)
- View profile at Granite Bank: https://granitebank.com/loan-officer/cliftonkrotz/
- Office phone and Email on file: shown at https://lendb.ai/lo/clifton-krotz-1838840#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1838840
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- lender_site: https://granitebank.com/loan-officer/cliftonkrotz/

Cite as: Clifton Krotz (NMLS 1838840), Granite Bank. LenDb.ai, https://lendb.ai/lo/clifton-krotz-1838840, last verified 2026-10-26.

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