Michael Kopernik

Mortgage Specialist at BMO Bank · Newport Beach, CA

NMLS ID 86135 (opens in a new tab) · verify at NMLS Consumer Access

Michael Kopernik (NMLS 86135) is Mortgage Specialist at BMO Bank, based in Newport Beach, CA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Licensed since 2021 (per Florida records).

Last verified . Sources: BMO Bank (usmortgagebanker.bmo.com), Florida state regulator and NMLS Consumer Access (license status, check live).

Specialties

None listed on the lender page yet.

    Evidence levels, strongest first: production data, lender page, self-reported.

    Languages

    • English

    Source: lender site (opens in a new tab), verified 2026-10-09

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    No license list on file yet. Check NMLS Consumer Access (opens in a new tab) for every state this person is licensed in.

    Earlier regulator records (not active): FL (expired).

    Likely federally registered: works at a bank. Federally registered MLOs aren't state-licensed; verify at NMLS (NMLS Consumer Access (opens in a new tab)).

    Contact

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    View profile at BMO Bank (opens in a new tab)

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    Employment history

    1. BMO Bank NMLS 401052

      Current · Newport Beach, CA · 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 employerlender site · usmortgagebanker.bmo.com (opens in a new tab)verified 2026-10-09
    Licenses (regulator)state regulator · real.flofr.com (opens in a new tab)verified 2026-10-09
    Languageslender site · usmortgagebanker.bmo.com (opens in a new tab)verified 2026-10-09
    Contactlender site · usmortgagebanker.bmo.com (opens in a new tab)verified 2026-10-09
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Michael Kopernik (NMLS 86135), BMO Bank. LenDb.ai, https://lendb.ai/lo/michael-kopernik-86135, last verified 2026-10-09.

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