---
canonical_url: https://lendb.ai/lo/karen-sims-150336
json_url: https://lendb.ai/lo/karen-sims-150336.json
nmls_id: 150336
last_verified: 2026-10-09
---

# Karen Sims

Loan Officer at Highlands Residential Mortgage, Chattanooga, TN. NMLS ID 150336 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/150336)).

**Summary:** Karen Sims (NMLS 150336) is Loan Officer at Highlands Residential Mortgage, based in Chattanooga, TN. Lists Alabama, Georgia and Tennessee on the lender page (not yet checked with the state regulator). Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Alabama (AL, lender_reported), Georgia (GA, lender_reported), Tennessee (TN, 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


## About

Karen obtained a BS in accounting from the University of Tennessee in 1992 and has worked in mortgage since starting as a loan processor. She specializes in helping first-time homebuyers achieve homeownership.

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

## Facts from the lender page and intro

- education: BS in accounting from The University of Tennessee. Source: https://www.highlandsmortgage.com/agents/karen-sims/, verified 2026-10-09.
- role: Started as a loan processor, later became a loan officer. Source: https://www.highlandsmortgage.com/agents/karen-sims/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Highlands Residential Mortgage (NMLS 134871), Chattanooga, TN. Source: https://www.highlandsmortgage.com/agents/karen-sims/, 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/150336

## Contact

- linkedin_url: https://www.linkedin.com/in/karen-sims-3176536b/ (source: lender_site, verified 2026-10-09)
- View profile at Highlands Residential Mortgage: https://www.highlandsmortgage.com/agents/karen-sims/
- Office phone and Email on file: shown at https://lendb.ai/lo/karen-sims-150336#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/150336
- lender_site: https://www.highlandsmortgage.com/agents/karen-sims/

Cite as: Karen Sims (NMLS 150336), Highlands Residential Mortgage. LenDb.ai, https://lendb.ai/lo/karen-sims-150336, last verified 2026-10-09.

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