---
canonical_url: https://lendb.ai/lo/dirk-pepperd-2687649
json_url: https://lendb.ai/lo/dirk-pepperd-2687649.json
nmls_id: 2687649
last_verified: 2026-10-21
---

# Dirk Pepperd

Loan Officer at Ram Mortgage, LLC, Charlotte, NC. NMLS ID 2687649 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2687649)).

Based in Charlotte, North Carolina, Dirk Pepperd (NMLS 2687649) is a Loan Officer at Ram Mortgage, LLC, licensed in Florida since 2025.

**Summary:** Dirk Pepperd (NMLS 2687649) is Loan Officer at Ram Mortgage, LLC, based in Charlotte, NC. Licensed in Florida, confirmed with the state regulator (license LO138095). Also lists Georgia and North Carolina on the lender page (not yet checked with the state regulator). Earliest state license record: May 16, 2025 (Florida), per state regulator. Last verified 2026-10-21.

## Quick answers

### Is Dirk licensed in North Carolina?

Ram Mortgage, LLC's page for Dirk lists North Carolina. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 2 other states on file for Dirk. Source: https://www.rammtg.com/dirk-pepperd.

### What lender does Dirk 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/dirk-pepperd.

### How long has Dirk been licensed?

The earliest state license record LenDb holds for Dirk is from May 16, 2025 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip.

## At a glance

- Earliest state license record: May 16, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Dirk W. Pepperd (FL, as of 2026-10-09)
- Licensed in: Florida (FL, confirmed), Georgia (GA, lender_reported), North Carolina (NC, 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 |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO138095 | active | confirmed | 2025-05-16 | state_regulator | 2026-10-15 |
| GA |  | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-21 |
| NC |  | 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/dirk-pepperd, 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/2687649

## Contact

- View profile at Ram Mortgage, LLC: https://www.rammtg.com/dirk-pepperd
- Office phone and Email on file: shown at https://lendb.ai/lo/dirk-pepperd-2687649#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2687649
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.rammtg.com/dirk-pepperd

Cite as: Dirk Pepperd (NMLS 2687649), Ram Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/dirk-pepperd-2687649, last verified 2026-10-21.

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