{
  "canonical_url": "https://lendb.ai/lo/michael-kovar-274162",
  "lede": {
    "text": "Mike Kovar (NMLS 274162) is a Senior Loan Officer at Granite Bank in Champlin, Minnesota. Mike's own profile lists FHA loan and VA loan as a focus.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Mike licensed?",
      "a": "Mike works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access.",
      "fields": [
        "federal_registration",
        "current_employment"
      ],
      "source": "employer type in LenDb's lender registry",
      "source_url": null,
      "verified_at": "2026-10-16"
    },
    {
      "q": "Does Mike do FHA loans?",
      "a": "Mike's profile lists FHA loan as a focus (from their own specialty list). It also lists VA loan.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://granitebank.com/loan-officer/mikekovar/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Mike work for?",
      "a": "Granite Bank, company NMLS 405434, from the Champlin, MN office, per the lender's own site (verified 2026-10-16).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://granitebank.com/loan-officer/mikekovar/",
      "verified_at": "2026-10-16"
    },
    {
      "q": "How long has Mike been licensed?",
      "a": "The earliest state license record LenDb holds for Mike is from April 30, 2018 (Wisconsin regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Mike states 44 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Wisconsin state regulator",
      "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
      "verified_at": "2026-10-21"
    }
  ],
  "field_notes": {
    "languages": "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."
  },
  "loan_officer": {
    "nmls_id": 274162,
    "slug": "michael-kovar-274162",
    "canonical_url": "https://lendb.ai/lo/michael-kovar-274162",
    "md_url": "https://lendb.ai/lo/michael-kovar-274162.md",
    "json_url": "https://lendb.ai/lo/michael-kovar-274162.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/274162",
    "full_name": {
      "value": "Mike Kovar",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/mikekovar/",
      "verified_at": "2026-10-16"
    },
    "first_name": "Mike",
    "last_name": "Kovar",
    "licensed_names": [
      {
        "name": "Michael Kovar",
        "name_with_middle_initial": "Michael A. Kovar",
        "first_name": "Michael",
        "middle_initial": "A",
        "last_name": "Kovar",
        "states": [
          "FL"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-09"
      },
      {
        "name": "Michael Kovar",
        "name_with_middle_initial": null,
        "first_name": "Michael",
        "middle_initial": null,
        "last_name": "Kovar",
        "states": [
          "WI"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-21"
      }
    ],
    "headshot_url": {
      "value": "https://granitebank.com/wp-content/uploads/2024/10/Mike-Kovar-300x300.jpg",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/mikekovar/",
      "verified_at": "2026-10-16"
    },
    "bio": {
      "value": "Mike Kovar is a Senior Loan Officer in Champlin, Minnesota with 44 years in finance and investment. Their profile lists FHA, VA, conventional and jumbo purchase and refinance programs as their areas of expertise. They say they are licensed in 41 states.",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/mikekovar/",
      "verified_at": "2026-10-16"
    },
    "title": {
      "value": "Senior Loan Officer",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/mikekovar/",
      "verified_at": "2026-10-16"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/mikekovar/",
      "verified_at": "2026-10-16"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 44,
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/mikekovar/",
      "verified_at": "2026-10-16"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 405434,
      "lender_name": "Granite Bank",
      "lender_slug": "granite-bank-405434",
      "branch_city": "Champlin",
      "branch_state": "MN",
      "branch_zip": "55316",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://granitebank.com/loan-officer/mikekovar/",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/mikekovar/",
      "verified_at": "2026-10-16"
    },
    "employment_history": [
      {
        "lender_nmls_id": 405434,
        "lender_name": "Granite Bank",
        "lender_slug": "granite-bank-405434",
        "branch_city": "Champlin",
        "branch_state": "MN",
        "branch_zip": "55316",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://granitebank.com/loan-officer/mikekovar/",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/mikekovar/",
        "verified_at": "2026-10-16"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO53633",
        "status": "expired",
        "issued_at": "2018-05-23",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "274162",
        "status": "expired",
        "issued_at": "2018-04-30",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "basis": "lo_list",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/mikekovar/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.85,
        "basis": "lo_list",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/mikekovar/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/mikekovar/",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/mikekovar/",
        "verified_at": "2026-10-16"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "44",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/mikekovar/",
        "verified_at": "2026-10-16"
      },
      {
        "kind": "other",
        "value": "assisted over 3,000 clients",
        "source": "lender_site",
        "source_url": "https://granitebank.com/loan-officer/mikekovar/",
        "verified_at": "2026-10-16"
      }
    ],
    "last_verified_at": "2026-10-16",
    "updated_at": "2026-10-21 14:57:59.133113+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/michael-kovar-274162#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://granitebank.com/loan-officer/mikekovar/",
      "verified_at": "2026-10-16"
    },
    "earliest_license_record": {
      "date": "2018-04-30",
      "state": "WI"
    },
    "licensed_since": {
      "year": 2018,
      "state": "WI"
    },
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}