---
canonical_url: https://lendb.ai/lo/john-callahan-400940
json_url: https://lendb.ai/lo/john-callahan-400940.json
nmls_id: 400940
last_verified: 2026-10-26
---

# John Callahan

Loan Officer at Granite Bank, Elk River, MN. NMLS ID 400940 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/400940)).

John Callahan, NMLS 400940, works as a Loan Officer at Granite Bank in Elk River, Minnesota.

**Summary:** John Callahan (NMLS 400940) is Loan Officer at Granite Bank, based in Elk River, MN. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Earliest state license record: July 1, 2019 (Wisconsin), per state regulator. Last verified 2026-10-26.

## Quick answers

### Is John licensed?

John 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 John work for?

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

### How long has John been licensed?

The earliest state license record LenDb holds for John is from July 1, 2019 (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: July 1, 2019 (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

John Callahan is a Loan Officer in Elk River, MN with over two decades of experience as a mortgage professional. They say they have originated Conventional and Government products, including down payment assistance. They enjoy anything outdoors and spending time with family.

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

## Facts from the lender page and intro

- years_experience: over 20. Source: https://granitebank.com/loan-officer/johncallahan/, verified 2026-10-26.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| WI | Wisconsin regulator | state_license | 400940 | inactive | confirmed | 2019-07-01 | state_regulator | 2026-10-21 |

## Employment history

- ? to present: Granite Bank (NMLS 405434), Elk River, MN. Source: https://granitebank.com/loan-officer/johncallahan/, 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/400940

## Contact

- linkedin_url: https://www.linkedin.com/in/john-callahan-37546415/ (source: lender_site, verified 2026-10-26)
- View profile at Granite Bank: https://granitebank.com/loan-officer/johncallahan/
- Office phone and Email on file: shown at https://lendb.ai/lo/john-callahan-400940#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/400940
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- lender_site: https://granitebank.com/loan-officer/johncallahan/

Cite as: John Callahan (NMLS 400940), Granite Bank. LenDb.ai, https://lendb.ai/lo/john-callahan-400940, last verified 2026-10-26.

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