---
canonical_url: https://lendb.ai/lo/carolina-callaghan-97328
json_url: https://lendb.ai/lo/carolina-callaghan-97328.json
nmls_id: 97328
last_verified: 2026-10-09
---

# Carolina Callaghan

VP, Mortgage Loan Originator at Total Mortgage Services, Ridgefield, CT. NMLS ID 97328 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/97328)).

**Summary:** Carolina Callaghan (NMLS 97328) is VP, Mortgage Loan Originator at Total Mortgage Services, based in Ridgefield, CT. States 18 years of experience. Last verified 2026-10-09.

## 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.
- Years experience (stated by the LO): 18 (source: https://www.totalmortgage.com/bankers/carolina-callaghan, verified 2026-10-09)
- Licensed in: no license list on file; check NMLS Consumer Access
- 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
- Profile: unclaimed
- Status: active

## Specialties


## About

Carolina has 18 years of experience in the mortgage industry with extensive mortgage underwriting knowledge. She tailors products to meet each client's unique goals and emphasizes dedication, honesty, and integrity.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 18. Source: https://www.totalmortgage.com/bankers/carolina-callaghan, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Total Mortgage Services (NMLS 2764), Ridgefield, CT. Source: https://www.totalmortgage.com/bankers/carolina-callaghan, 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/97328

## Contact

- View profile at Total Mortgage Services: https://www.totalmortgage.com/bankers/carolina-callaghan
- Office phone and Email on file: shown at https://lendb.ai/lo/carolina-callaghan-97328#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/97328
- lender_site: https://www.totalmortgage.com/bankers/carolina-callaghan

Cite as: Carolina Callaghan (NMLS 97328), Total Mortgage Services. LenDb.ai, https://lendb.ai/lo/carolina-callaghan-97328, last verified 2026-10-09.

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