---
canonical_url: https://lendb.ai/lo/nicholas-garaven-1420808
json_url: https://lendb.ai/lo/nicholas-garaven-1420808.json
nmls_id: 1420808
last_verified: 2026-10-09
---

# Nick Garaven

Mortgage Specialist at BMO Bank, Tempe, AZ. NMLS ID 1420808 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1420808)).

**Summary:** Nick Garaven (NMLS 1420808) is Mortgage Specialist at BMO Bank, based in Tempe, AZ. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Earliest state license record: January 20, 2017 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: January 20, 2017 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- 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: English
- Profile: unclaimed
- Status: active

## Specialties


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO38527 | expired | confirmed | 2017-01-20 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: BMO Bank (NMLS 401052), Tempe, AZ. Source: https://usmortgagebanker.bmo.com/az/tempe/ng-1420808/, 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/1420808

## Contact

- View profile at BMO Bank: https://usmortgagebanker.bmo.com/az/tempe/ng-1420808/
- Office phone and Email on file: shown at https://lendb.ai/lo/nicholas-garaven-1420808#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1420808
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://usmortgagebanker.bmo.com/az/tempe/ng-1420808/

Cite as: Nick Garaven (NMLS 1420808), BMO Bank. LenDb.ai, https://lendb.ai/lo/nicholas-garaven-1420808, last verified 2026-10-09.

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