Karen Hammonds
NMLS ID 2644879 (opens in a new tab) · verify at NMLS Consumer Access
Karen Hammonds (NMLS 2644879) is a mortgage loan officer at Utopia Mortgage LLC, licensed in Texas since 2025. Karen speaks Spanish.
Last verified . Sources: Utopia Mortgage LLC (karen.utopiamortgage.net), Texas state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: April 3, 2025 (Texas), per state regulator
- 3 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Karen licensed in Texas?
- Yes. Texas regulator records list a license as active, first effective April 3, 2025 (verified 2026-10-13). LenDb has 2 other states on file for Karen.
- Source: Texas state regulator (opens in a new tab)
- What lender does Karen work for?
- Utopia Mortgage LLC, company NMLS 2421702, per the lender's own site (verified 2026-10-15).
- Source: lender site (opens in a new tab)
- What languages does Karen speak?
- Spanish, per their lender page (verified 2026-10-15).
- Source: lender page (opens in a new tab)
- How long has Karen been licensed?
- The earliest state license record LenDb holds for Karen is from April 3, 2025 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
- Source: Texas state regulator (opens in a new tab)
Specialties
Focus
No focus listed on their lender page yet.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Languages
Source: state regulator (opens in a new tab), verified 2026-10-15
Licensed states
✓ Confirmed with the state regulator: TX (opens in a new tab), verified 2026-10-13.
Lender-reported: AR, AZ are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Utopia Mortgage LLC NMLS 2421702
Current · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
Sources
| Name and employer | state regulator · karen.utopiamortgage.net (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · sml.texas.gov (opens in a new tab) | verified 2026-10-13 |
| Licensed states | lender site · karen.utopiamortgage.net (opens in a new tab) | verified 2026-10-15 |
| Languages | state regulator · karen.utopiamortgage.net (opens in a new tab) | verified 2026-10-15 |
| Contact | lender site · karen.utopiamortgage.net (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Karen Hammonds (NMLS 2644879), Utopia Mortgage LLC. LenDb.ai, https://lendb.ai/lo/karen-hammonds-2644879, last verified 2026-10-15.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.