--- canonical_url: https://lendb.ai/lo/joseph-kralik-251080 json_url: https://lendb.ai/lo/joseph-kralik-251080.json nmls_id: 251080 last_verified: 2026-10-09 --- # Joe Kralik Branch Partner at ALCOVA Mortgage, Austin, TX. NMLS ID 251080 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/251080)). **Summary:** 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. Earliest state license record: May 30, 2019 (Florida), per state regulator. Last verified 2026-10-09. ## At a glance - Earliest state license record: May 30, 2019 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Arkansas (AR, lender_reported), Colorado (CO, confirmed), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Kentucky (KY, lender_reported), Maryland (MD, lender_reported), Michigan (MI, lender_reported), New Jersey (NJ, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Pennsylvania (PA, confirmed), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Virginia (VA, lender_reported), Washington (WA, lender_reported), West Virginia (WV, lender_reported) - 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: Spanish - Profile: unclaimed - Status: active ## Specialties ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO61687 | active | confirmed | 2019-05-30 | state_regulator | 2026-10-09 | | AL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CO | state_license | 100534079 | active | confirmed | 2022-07-27 | state_regulator | 2026-10-10 | | GA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | KY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MD | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NJ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | PA | state_license | 98025 | active | confirmed | | state_regulator | 2026-10-10 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: ALCOVA Mortgage (NMLS 40508), Austin, TX. Source: https://alcova.com/loan-officer/jkralik/, verified 2026-10-09. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/251080 ## Contact - View profile at ALCOVA Mortgage: https://alcova.com/loan-officer/jkralik/ - Email on file: shown at https://lendb.ai/lo/joseph-kralik-251080#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/251080 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - lender_site: https://alcova.com/loan-officer/jkralik/ - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=304391&contact=531610 - state_regulator: https://data.pa.gov/d/tyxc-jyug Cite as: Joe Kralik (NMLS 251080), ALCOVA Mortgage. LenDb.ai, https://lendb.ai/lo/joseph-kralik-251080, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._