---
canonical_url: https://lendb.ai/lo/kalika-agarwal-1685236
json_url: https://lendb.ai/lo/kalika-agarwal-1685236.json
nmls_id: 1685236
last_verified: 2026-10-28
---

# kalika Agarwal

Senior Loan Officer at ENSURE HOME LOANS LLC. NMLS ID 1685236 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1685236)).

kalika Agarwal (NMLS 1685236) is a Senior Loan Officer at ENSURE HOME LOANS LLC, licensed in California since 2018 and in Illinois.

**Summary:** kalika Agarwal (NMLS 1685236) is Senior Loan Officer at ENSURE HOME LOANS LLC. Licensed in 2 states confirmed with state regulators: California and Illinois. Also lists Indiana and Washington on the lender page (not yet checked with the state regulator). Earliest state license record: August 28, 2018 (California), per state regulator. Last verified 2026-10-28.

## Quick answers

### Is Kalika licensed in California?

Yes. California regulator records list license CA-DBO1685236 as active, first effective August 28, 2018 (verified 2026-10-24). LenDb has 3 other states on file for Kalika. Source: https://dfpi.ca.gov/.

### What lender does Kalika work for?

ENSURE HOME LOANS LLC, company NMLS 1666674, per the lender's own site (verified 2026-10-15). Source: https://ensurehomeloans.com/loan-officers/kalika-agarwal.

### How long has Kalika been licensed?

The earliest state license record LenDb holds for Kalika is from August 28, 2018 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfpi.ca.gov/.

## At a glance

- Earliest state license record: August 28, 2018 (California), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: California (CA DFPI, confirmed), Illinois (IL, confirmed), Indiana (IN, lender_reported), Washington (WA, 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: English (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 |
|---|---|---|---|---|---|---|---|---|
| CA | California Department of Financial Protection and Innovation | state_license | CA-DBO1685236 | active | confirmed | 2018-08-28 | state_regulator | 2026-10-24 |
| IL | Illinois regulator | state_license | 31.0082916 | active | confirmed | 2023-09-25 | state_regulator | 2026-10-28 |
| IN |  | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| WA |  | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: ENSURE HOME LOANS LLC (NMLS 1666674). Source: https://ensurehomeloans.com/loan-officers/kalika-agarwal, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1685236

## Contact

- View profile at ENSURE HOME LOANS LLC: https://ensurehomeloans.com/loan-officers/kalika-agarwal
- Office phone and Email on file: shown at https://lendb.ai/lo/kalika-agarwal-1685236#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1685236
- state_regulator: https://dfpi.ca.gov/
- state_regulator: https://idfpr.illinois.gov/banks/resfin.html
- lender_site: https://ensurehomeloans.com/loan-officers/kalika-agarwal

Cite as: kalika Agarwal (NMLS 1685236), ENSURE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/kalika-agarwal-1685236, last verified 2026-10-28.

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