---
canonical_url: https://lendb.ai/lo/karami-thomas-2249345
json_url: https://lendb.ai/lo/karami-thomas-2249345.json
nmls_id: 2249345
last_verified: 2026-10-09
---

# Karami Thomas

Mortgage Loan Officer at Loan Factory. NMLS ID 2249345 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2249345)).

**Summary:** Karami Thomas (NMLS 2249345) is Mortgage Loan Officer at Loan Factory. Licensed in Colorado, confirmed with the state regulator (license 100528736). Also lists Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, First-time buyer and VA loan. Licensed since 2021 (per Colorado records). Last verified 2026-10-09.

## At a glance

- Licensed since 2021 (per Colorado records). This is license history on file, not total experience.
- Licensed in: Colorado (CO, confirmed), Texas (TX, 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

- **FHA loan** (`fha`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/karami-thomas-2249345
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/karami-thomas-2249345
- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/karami-thomas-2249345

## About

Karami Thomas specializes in VA, FHA, and first-time homebuyer financing. As the wife of a Marine Corps veteran, she is passionate about serving military families and takes a personalized, educational approach to mortgage lending.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CO | state_license | 100528736 | active | confirmed | 2021-11-29 | state_regulator | 2026-10-10 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/karami-thomas-2249345, 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/2249345

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/karami-thomas-2249345

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2249345
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=288837&contact=513068
- lender_site: https://www.loanfactory.com/mortgage-expert/karami-thomas-2249345

Cite as: Karami Thomas (NMLS 2249345), Loan Factory. LenDb.ai, https://lendb.ai/lo/karami-thomas-2249345, last verified 2026-10-09.

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