---
canonical_url: https://lendb.ai/lo/karen-hammonds-2644879
json_url: https://lendb.ai/lo/karen-hammonds-2644879.json
nmls_id: 2644879
last_verified: 2026-10-15
---

# Karen Hammonds

Loan officer at Utopia Mortgage LLC. NMLS ID 2644879 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2644879)).

Karen Hammonds (NMLS 2644879) is a mortgage loan officer at Utopia Mortgage LLC, licensed in Texas since 2025. Karen speaks Spanish.

**Summary:** Karen Hammonds (NMLS 2644879) is a loan officer at Utopia Mortgage LLC. Licensed in Texas, confirmed with the state regulator. Also lists Arkansas and Arizona on the lender page (not yet checked with the state regulator). Speaks Spanish. Earliest state license record: April 3, 2025 (Texas), per state regulator. Last verified 2026-10-15.

## 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: https://www.sml.texas.gov/.

### What lender does Karen work for?

Utopia Mortgage LLC, company NMLS 2421702, per the lender's own site (verified 2026-10-15). Source: https://karen.utopiamortgage.net/.

### What languages does Karen speak?

Spanish, per their lender page (verified 2026-10-15). Source: https://karen.utopiamortgage.net/.

### 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: https://www.sml.texas.gov/.

## At a glance

- Earliest state license record: April 3, 2025 (Texas), 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): Karen A. Hammonds (TX, as of 2026-10-12)
- Licensed in: Texas (TX, confirmed), Arkansas (AR, lender_reported), Arizona (AZ, 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: Spanish (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 |
|---|---|---|---|---|---|---|---|---|
| TX | Texas regulator | state_license | n/a | active | confirmed | 2025-04-03 | state_regulator | 2026-10-13 |
| AR |  | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| AZ |  | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: Utopia Mortgage LLC (NMLS 2421702). Source: https://karen.utopiamortgage.net/, 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/2644879

## Contact

- View profile at Utopia Mortgage LLC: https://karen.utopiamortgage.net/
- Office phone and Email on file: shown at https://lendb.ai/lo/karen-hammonds-2644879#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2644879
- state_regulator: https://www.sml.texas.gov/
- lender_site: https://karen.utopiamortgage.net/

Cite as: Karen Hammonds (NMLS 2644879), Utopia Mortgage LLC. LenDb.ai, https://lendb.ai/lo/karen-hammonds-2644879, last verified 2026-10-15.

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