--- canonical_url: https://lendb.ai/lo/michael-kovar-274162 json_url: https://lendb.ai/lo/michael-kovar-274162.json nmls_id: 274162 last_verified: 2026-10-16 --- # Mike Kovar Senior Loan Officer at Granite Bank, Champlin, MN. NMLS ID 274162 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/274162)). 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. **Summary:** Mike Kovar (NMLS 274162) is Senior Loan Officer at Granite Bank, based in Champlin, MN. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: FHA loan and VA loan. Earliest state license record: April 30, 2018 (Wisconsin), per state regulator. States 44 years of experience. Last verified 2026-10-16. ## Quick answers ### Is Mike licensed? Mike 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. ### Does Mike do FHA loans? Mike's profile lists FHA loan as a focus (from their own specialty list). It also lists VA loan. Source: https://granitebank.com/loan-officer/mikekovar/. ### What lender does Mike work for? Granite Bank, company NMLS 405434, from the Champlin, MN office, per the lender's own site (verified 2026-10-16). Source: https://granitebank.com/loan-officer/mikekovar/. ### How long has Mike been licensed? 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. Source: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/. ## At a glance - Earliest state license record: April 30, 2018 (Wisconsin), 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): 44 (source: https://granitebank.com/loan-officer/mikekovar/, verified 2026-10-16) - Also licensed as (state regulator records, same NMLS ID): Michael A. Kovar (FL, as of 2026-10-09); Michael Kovar (WI, as of 2026-10-21) - 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) - **FHA loan** (`fha`): from their own specialty list (lender page), confidence 0.85, verified 2026-10-26. Source: https://granitebank.com/loan-officer/mikekovar/ - **VA loan** (`va`): from their own specialty list (lender page), confidence 0.85, verified 2026-10-26. Source: https://granitebank.com/loan-officer/mikekovar/ ## About 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: LenDb summary of the lender page, verified 2026-10-16. ## Facts from the lender page and intro - years_experience: 44. Source: https://granitebank.com/loan-officer/mikekovar/, verified 2026-10-16. - other: assisted over 3,000 clients. Source: https://granitebank.com/loan-officer/mikekovar/, verified 2026-10-16. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO53633 | expired | confirmed | 2018-05-23 | state_regulator | 2026-10-15 | | WI | Wisconsin regulator | state_license | 274162 | expired | confirmed | 2018-04-30 | state_regulator | 2026-10-21 | ## Employment history - ? to present: Granite Bank (NMLS 405434), Champlin, MN. Source: https://granitebank.com/loan-officer/mikekovar/, verified 2026-10-16. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/274162 ## Contact - linkedin_url: https://www.linkedin.com/in/mikekovar/ (source: lender_site, verified 2026-10-16) - View profile at Granite Bank: https://granitebank.com/loan-officer/mikekovar/ - Office phone and Email on file: shown at https://lendb.ai/lo/michael-kovar-274162#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/274162 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - lender_site: https://granitebank.com/loan-officer/mikekovar/ Cite as: Mike Kovar (NMLS 274162), Granite Bank. LenDb.ai, https://lendb.ai/lo/michael-kovar-274162, last verified 2026-10-16. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._