Joe Kralik
Branch Partner at ALCOVA Mortgage · Austin, TX
NMLS ID 251080 (opens in a new tab) · verify at NMLS Consumer Access
Joe Kralik (NMLS 251080) is Branch Partner at ALCOVA Mortgage, based in Austin, TX. Licensed in 3 states confirmed with state regulators: Florida, Colorado and Pennsylvania. Also lists Alabama, Arkansas, Georgia, Illinois, Indiana, Kentucky, Maryland, Michigan and 9 more on the lender page (not yet checked with the state regulator). Speaks Spanish. Licensed since 2019 (per Florida records).
Last verified . Sources: ALCOVA Mortgage (alcova.com), Florida state regulator, Colorado state regulator, Pennsylvania state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2019 (per Florida records)
- 20 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
None listed on the lender page yet.
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
- Spanish
Source: lender site (opens in a new tab), verified 2026-10-09
Licensed states
Florida, Alabama, Arkansas, Colorado, Georgia, Illinois, Indiana, Kentucky, Maryland, Michigan, New Jersey, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO61687, since 2019), CO (opens in a new tab) (100534079, since 2022), PA (opens in a new tab) (98025), verified 2026-10-09.
Lender-reported: AL, AR, GA, IL, IN, KY, MD, MI, NJ, OH, OK, SC, TN, TX, VA, WA, WV are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
ALCOVA Mortgage NMLS 40508
Current · Austin, TX · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
Sources
| Name and employer | lender site · alcova.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · data.pa.gov (opens in a new tab) | verified 2026-10-10 |
| Licensed states | lender site · alcova.com (opens in a new tab) | verified 2026-10-09 |
| Languages | lender site · alcova.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · alcova.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · alcova.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Joe Kralik (NMLS 251080), ALCOVA Mortgage. LenDb.ai, https://lendb.ai/lo/joseph-kralik-251080, last verified 2026-10-09.
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