---
canonical_url: https://lendb.ai/lo/carmen-howell-2741511
json_url: https://lendb.ai/lo/carmen-howell-2741511.json
nmls_id: 2741511
last_verified: 2026-10-21
---

# Carmen Howell

Loan Officer at Ram Mortgage, LLC, Charlotte, NC. NMLS ID 2741511 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2741511)).

Carmen Howell (NMLS 2741511) is a Loan Officer at Ram Mortgage, LLC in Charlotte, North Carolina, serving Georgia.

**Summary:** Carmen Howell (NMLS 2741511) is Loan Officer at Ram Mortgage, LLC, based in Charlotte, NC. Lists Georgia on the lender page (not yet checked with the state regulator). Last verified 2026-10-21.

## Quick answers

### Is Carmen licensed in Georgia?

Ram Mortgage, LLC's page for Carmen lists Georgia. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. Source: https://www.rammtg.com/carmen-howell.

### What lender does Carmen work for?

Ram Mortgage, LLC, company NMLS 2301828, from the Charlotte, NC office, per the lender's own site (verified 2026-10-21). Source: https://www.rammtg.com/carmen-howell.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Georgia (GA, lender_reported)
- 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 |
|---|---|---|---|---|---|---|---|---|
| GA |  | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-21 |

## Employment history

- ? to present: Ram Mortgage, LLC (NMLS 2301828), Charlotte, NC. Source: https://www.rammtg.com/carmen-howell, verified 2026-10-21.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2741511

## Contact

- View profile at Ram Mortgage, LLC: https://www.rammtg.com/carmen-howell
- Office phone and Email on file: shown at https://lendb.ai/lo/carmen-howell-2741511#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2741511
- lender_site: https://www.rammtg.com/carmen-howell

Cite as: Carmen Howell (NMLS 2741511), Ram Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/carmen-howell-2741511, last verified 2026-10-21.

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