---
canonical_url: https://lendb.ai/lo/karla-melgar-186602
json_url: https://lendb.ai/lo/karla-melgar-186602.json
nmls_id: 186602
last_verified: 2026-10-09
---

# Karla Melgar

Senior Loan Officer at Embrace Home Loans, La Plata, MD. NMLS ID 186602 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/186602)).

**Summary:** Karla Melgar (NMLS 186602) is Senior Loan Officer at Embrace Home Loans, based in La Plata, MD. Lists Delaware, Maryland and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan and New construction. States 52 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 52 (source: https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar, verified 2026-10-09)
- Licensed in: Delaware (DE, 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

- **VA loan** (`va`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar
- **New construction** (`new-construction`): lender page, confidence 0.85, verified 2026-10-09. Source: https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar

## About

Karla has over 52 years in mortgage banking with three decades specializing in VA and Builder lending. They help guide borrowers in the right direction with expertise across various loan programs.

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

## Facts from the lender page and intro

- years_experience: 52. Source: https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar, verified 2026-10-09.
- years_experience: 30. Source: https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| DE | 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: Embrace Home Loans (NMLS 2184), La Plata, MD. Source: https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar, 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/186602

## Contact

- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar
- Office phone and Email on file: shown at https://lendb.ai/lo/karla-melgar-186602#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/186602
- lender_site: https://www.embracehomeloans.com/location/maryland/la-plata/karla-melgar

Cite as: Karla Melgar (NMLS 186602), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/karla-melgar-186602, last verified 2026-10-09.

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