---
canonical_url: https://lendb.ai/lo/lindsey-baracz-627075
json_url: https://lendb.ai/lo/lindsey-baracz-627075.json
nmls_id: 627075
last_verified: 2026-10-26
---

# Lindsey Baracz

Sr. Loan Officer at Granite Bank, Brainerd, MN. NMLS ID 627075 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/627075)).

Lindsey Baracz, NMLS 627075, works as a Sr. Loan Officer at Granite Bank in Brainerd, Minnesota.

**Summary:** Lindsey Baracz (NMLS 627075) is Sr. Loan Officer at Granite Bank, based in Brainerd, MN. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Earliest state license record: January 5, 2021 (Iowa), per state regulator. States 23 years of experience. Last verified 2026-10-26.

## Quick answers

### Is Lindsey licensed?

Lindsey 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 Lindsey work for?

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

### How long has Lindsey been licensed?

The earliest state license record LenDb holds for Lindsey is from January 5, 2021 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Lindsey states 23 years of experience. Source: https://idob.iowa.gov/.

## At a glance

- Earliest state license record: January 5, 2021 (Iowa), 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): 23 (source: https://granitebank.com/loan-officer/lindseybaracz/, verified 2026-10-26)
- Also licensed as (state regulator records, same NMLS ID): Lindsey A. Baracz (FL, IA, as of 2026-10-19)
- 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

Lindsey Baracz is a Sr. Loan Officer in Brainerd, Minnesota. They have 23 years in the mortgage business and say they help first-time homebuyers, move-up buyers and investors. Outside work they practice yoga and spend time with their English Bulldog, Dixie.

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

## Facts from the lender page and intro

- years_experience: 23. Source: https://granitebank.com/loan-officer/lindseybaracz/, verified 2026-10-26.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO82853 | expired | confirmed | 2021-03-01 | state_regulator | 2026-10-15 |
| IA | Iowa regulator | state_license | 42435 | expired | confirmed | 2021-01-05 | state_regulator | 2026-10-20 |
| WI | Wisconsin regulator | state_license | 627075 | expired | confirmed | 2021-01-12 | state_regulator | 2026-10-21 |

## Employment history

- ? to present: Granite Bank (NMLS 405434), Brainerd, MN. Source: https://granitebank.com/loan-officer/lindseybaracz/, 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/627075

## Contact

- View profile at Granite Bank: https://granitebank.com/loan-officer/lindseybaracz/
- Office phone and Email on file: shown at https://lendb.ai/lo/lindsey-baracz-627075#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/627075
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://idob.iowa.gov/
- state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/
- lender_site: https://granitebank.com/loan-officer/lindseybaracz/

Cite as: Lindsey Baracz (NMLS 627075), Granite Bank. LenDb.ai, https://lendb.ai/lo/lindsey-baracz-627075, last verified 2026-10-26.

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