---
canonical_url: https://lendb.ai/lo/david-carnes-921741
json_url: https://lendb.ai/lo/david-carnes-921741.json
nmls_id: 921741
last_verified: 2026-10-09
---

# David Carnes

Loan Advisor at American Pacific Mortgage, Sacramento, CA. NMLS ID 921741 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/921741)).

**Summary:** David Carnes (NMLS 921741) is Loan Advisor at American Pacific Mortgage, based in Sacramento, CA. Lists California on the lender page (not yet checked with the state regulator). Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: California (CA, 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
- Profile: unclaimed
- Status: active

## Specialties


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: American Pacific Mortgage (NMLS 1850), Sacramento, CA. Source: https://www.apmortgage.com/david-carnes, 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/921741

## Contact

- View profile at American Pacific Mortgage: https://www.apmortgage.com/david-carnes
- Email on file: shown at https://lendb.ai/lo/david-carnes-921741#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/921741
- lender_site: https://www.apmortgage.com/david-carnes

Cite as: David Carnes (NMLS 921741), American Pacific Mortgage. LenDb.ai, https://lendb.ai/lo/david-carnes-921741, last verified 2026-10-09.

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