---
canonical_url: https://lendb.ai/lo/karen-ramirez-1711964
json_url: https://lendb.ai/lo/karen-ramirez-1711964.json
nmls_id: 1711964
last_verified: 2026-10-09
---

# Karen Ramirez

Loan Advisor at American Pacific Mortgage, Gaithersburg, MD. NMLS ID 1711964 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1711964)).

**Summary:** Karen Ramirez (NMLS 1711964) is Loan Advisor at American Pacific Mortgage, based in Gaithersburg, MD. Licensed in Florida, confirmed with the state regulator (license LO135296). Also lists District of Columbia, Maryland and Virginia on the lender page (not yet checked with the state regulator). Earliest state license record: February 10, 2025 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: February 10, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), District of Columbia (DC, lender_reported), Maryland (MD, lender_reported), Virginia (VA, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO135296 | active | confirmed | 2025-02-10 | state_regulator | 2026-10-09 |
| DC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: American Pacific Mortgage (NMLS 1850), Gaithersburg, MD. Source: https://www.apmortgage.com/karen-ramirez, 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/1711964

## Contact

- View profile at American Pacific Mortgage: https://www.apmortgage.com/karen-ramirez
- Office phone and Email on file: shown at https://lendb.ai/lo/karen-ramirez-1711964#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1711964
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.apmortgage.com/karen-ramirez

Cite as: Karen Ramirez (NMLS 1711964), American Pacific Mortgage. LenDb.ai, https://lendb.ai/lo/karen-ramirez-1711964, last verified 2026-10-09.

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