---
canonical_url: https://lendb.ai/lo/debra-niego-90736
json_url: https://lendb.ai/lo/debra-niego-90736.json
nmls_id: 90736
last_verified: 2026-10-26
---

# Debbie Niego

Senior Loan Officer at Granite Bank, Champlin, MN. NMLS ID 90736 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/90736)).

Based in Champlin, Minnesota, Debbie Niego (NMLS 90736) is a Senior Loan Officer at Granite Bank, licensed in Florida since 2010.

**Summary:** Debbie Niego (NMLS 90736) is Senior Loan Officer at Granite Bank, based in Champlin, MN. Licensed in Florida, confirmed with the state regulator (license LO609). Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Earliest state license record: December 8, 2010 (Florida), per state regulator. States 24 years of experience. Last verified 2026-10-26.

## Quick answers

### Is Debbie licensed in Florida?

Yes. Florida regulator records list license LO609 as active, first effective December 8, 2010 (verified 2026-10-15). Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

### What lender does Debbie 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/debbieniego/.

### How long has Debbie been licensed?

The earliest state license record LenDb holds for Debbie is from December 8, 2010 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Debbie states 24 years of experience. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

## At a glance

- Earliest state license record: December 8, 2010 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 24 (source: https://granitebank.com/loan-officer/debbieniego/, verified 2026-10-26)
- Also licensed as (state regulator records, same NMLS ID): Debra F. Niego (FL, as of 2026-10-09)
- Licensed in: Florida (FL, confirmed)
- 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

Debbie Niego has spent 24 years in mortgage lending. They say they enjoy meeting new people and assisting borrowers with financing. When not working, they spend time with family and friends.

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

## Facts from the lender page and intro

- years_experience: 24. Source: https://granitebank.com/loan-officer/debbieniego/, verified 2026-10-26.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO609 | active | confirmed | 2010-12-08 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Granite Bank (NMLS 405434), Champlin, MN. Source: https://granitebank.com/loan-officer/debbieniego/, 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/90736

## Contact

- linkedin_url: https://www.linkedin.com/in/debniego/ (source: lender_site, verified 2026-10-26)
- View profile at Granite Bank: https://granitebank.com/loan-officer/debbieniego/
- Office phone and Email on file: shown at https://lendb.ai/lo/debra-niego-90736#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/90736
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://granitebank.com/loan-officer/debbieniego/

Cite as: Debbie Niego (NMLS 90736), Granite Bank. LenDb.ai, https://lendb.ai/lo/debra-niego-90736, last verified 2026-10-26.

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