---
canonical_url: https://lendb.ai/lo/karen-thaggard-1011431
json_url: https://lendb.ai/lo/karen-thaggard-1011431.json
nmls_id: 1011431
last_verified: 2026-10-09
---

# Karen Thaggard

Senior Loan Officer at Embrace Home Loans, Viera, FL. NMLS ID 1011431 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1011431)).

**Summary:** Karen Thaggard (NMLS 1011431) is Senior Loan Officer at Embrace Home Loans, based in Viera, FL. Licensed in Florida, confirmed with the state regulator (license LO18852). Earliest state license record: March 15, 2013 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: March 15, 2013 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 20 (source: https://www.embracehomeloans.com/location/florida/viera/karen-thaggard, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed)
- 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 has 20 years of mortgage industry experience across origination, processing, and underwriting. She joined Embrace in 2012 and specializes in guiding both first-time homebuyers and refinancing clients to financial freedom.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.embracehomeloans.com/location/florida/viera/karen-thaggard, verified 2026-10-09.
- role: Joined Embrace in 2012 as one of their Senior Loan Officers. Source: https://www.embracehomeloans.com/location/florida/viera/karen-thaggard, verified 2026-10-09.
- credential: Worked in all aspects of mortgage industry - origination, processing, and underwriting. Source: https://www.embracehomeloans.com/location/florida/viera/karen-thaggard, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO18852 | active | confirmed | 2013-03-15 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Viera, FL. Source: https://www.embracehomeloans.com/location/florida/viera/karen-thaggard, 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/1011431

## Contact

- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/florida/viera/karen-thaggard
- Office phone and Email on file: shown at https://lendb.ai/lo/karen-thaggard-1011431#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1011431
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.embracehomeloans.com/location/florida/viera/karen-thaggard

Cite as: Karen Thaggard (NMLS 1011431), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/karen-thaggard-1011431, last verified 2026-10-09.

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