---
canonical_url: https://lendb.ai/lo/tammy-s-ernst-9684
json_url: https://lendb.ai/lo/tammy-s-ernst-9684.json
nmls_id: 9684
last_verified: 2026-10-16
---

# Tammy S. Ernst

Loan Officer at Granite Bank, Bettendorf, IA. NMLS ID 9684 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/9684)).

Tammy S. Ernst, NMLS 9684, works as a Loan Officer at Granite Bank in Bettendorf, Iowa.

**Summary:** Tammy S. Ernst (NMLS 9684) is Loan Officer at Granite Bank, based in Bettendorf, IA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Earliest state license record: August 12, 2013 (Iowa), per state regulator. Last verified 2026-10-16.

## Quick answers

### Is Tammy licensed?

Tammy 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 Tammy work for?

Granite Bank, company NMLS 405434, from the Bettendorf, IA office, per the lender's own site (verified 2026-10-16). Source: https://granitebank.com/loan-officer/tammyernst/.

### How long has Tammy been licensed?

The earliest state license record LenDb holds for Tammy is from August 12, 2013 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://idob.iowa.gov/.

## At a glance

- Earliest state license record: August 12, 2013 (Iowa), 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: 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.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| IA | Iowa regulator | state_license | 21865 | expired | confirmed | 2013-08-12 | state_regulator | 2026-10-20 |

## Employment history

- ? to present: Granite Bank (NMLS 405434), Bettendorf, IA. Source: https://granitebank.com/loan-officer/tammyernst/, 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/9684

## Contact

- linkedin_url: https://www.linkedin.com/in/tammysernst/ (source: lender_site, verified 2026-10-16)
- View profile at Granite Bank: https://granitebank.com/loan-officer/tammyernst/
- Office phone and Email on file: shown at https://lendb.ai/lo/tammy-s-ernst-9684#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/9684
- state_regulator: https://idob.iowa.gov/
- lender_site: https://granitebank.com/loan-officer/tammyernst/

Cite as: Tammy S. Ernst (NMLS 9684), Granite Bank. LenDb.ai, https://lendb.ai/lo/tammy-s-ernst-9684, last verified 2026-10-16.

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