{
  "canonical_url": "https://lendb.ai/lo/karthikeyan-kaduvettipalayam-sankarappan-2507848",
  "lede": {
    "text": "Karthikeyan Sankarappan, NMLS 2507848, works as a Loan Officer at Ram Mortgage, LLC in Charlotte, North Carolina and is licensed in California since 2023 and in Florida, Texas, Iowa and 2 more states.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Karthikeyan licensed in North Carolina?",
      "a": "Ram Mortgage, LLC's page for Karthikeyan lists North Carolina. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 14 other states on file for Karthikeyan.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://www.rammtg.com/karthik-ks",
      "verified_at": "2026-10-21"
    },
    {
      "q": "What lender does Karthikeyan work for?",
      "a": "Ram Mortgage, LLC, company NMLS 2301828, from the Charlotte, NC office, per the lender's own site (verified 2026-10-21).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.rammtg.com/karthik-ks",
      "verified_at": "2026-10-21"
    },
    {
      "q": "How long has Karthikeyan been licensed?",
      "a": "The earliest state license record LenDb holds for Karthikeyan is from December 27, 2023 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "California state regulator",
      "source_url": "https://dfpi.ca.gov/",
      "verified_at": "2026-10-24"
    }
  ],
  "field_notes": {
    "languages": "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."
  },
  "loan_officer": {
    "nmls_id": 2507848,
    "slug": "karthikeyan-kaduvettipalayam-sankarappan-2507848",
    "canonical_url": "https://lendb.ai/lo/karthikeyan-kaduvettipalayam-sankarappan-2507848",
    "md_url": "https://lendb.ai/lo/karthikeyan-kaduvettipalayam-sankarappan-2507848.md",
    "json_url": "https://lendb.ai/lo/karthikeyan-kaduvettipalayam-sankarappan-2507848.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2507848",
    "full_name": {
      "value": "Karthikeyan Sankarappan",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/karthik-ks",
      "verified_at": "2026-10-21"
    },
    "first_name": "Karthikeyan",
    "last_name": "Sankarappan",
    "licensed_names": [
      {
        "name": "Karthikeyan Kaduvettipalayam Sankarappan",
        "name_with_middle_initial": null,
        "first_name": "Karthikeyan",
        "middle_initial": null,
        "last_name": "Kaduvettipalayam Sankarappan",
        "states": [
          "CA",
          "FL",
          "IA",
          "MD"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-26"
      },
      {
        "name": "Karthikeyan Sankarappan",
        "name_with_middle_initial": "Karthikeyan K. Sankarappan",
        "first_name": "Karthikeyan",
        "middle_initial": "K",
        "last_name": "Sankarappan",
        "states": [
          "PA",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-12"
      }
    ],
    "headshot_url": {
      "value": "https://kwzoucopgdlhuiaryyuy.supabase.co/storage/v1/object/sign/staff-photos/loan-officers/karthikeyan-sankarappan.jpg?token=eyJraWQiOiJzdG9yYWdlLXVybC1zaWduaW5nLWtleV8xYzhmYzcyNS1kZTY0LTQwZWEtYjI2Yy1hMzEyZjNlZjViN2IiLCJhbGciOiJIUzI1NiJ9.eyJ1cmwiOiJzdGFmZi1waG90b3MvbG9hbi1vZmZpY2Vycy9rYXJ0aGlrZXlhbi1zYW5rYXJhcHBhbi5qcGciLCJzY29wZSI6ImRvd25sb2FkIiwiaWF0IjoxNzgzMzI2NzgwLCJleHAiOjIwOTg2ODY3ODB9.3_9QLeDH0SHQDx74m7v2I0bsAHnXVxiiPjSYIQWDEQM",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/karthik-ks",
      "verified_at": "2026-10-21"
    },
    "bio": null,
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/karthik-ks",
      "verified_at": "2026-10-21"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/karthik-ks",
      "verified_at": "2026-10-21"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 70,
    "current_employment": {
      "lender_nmls_id": 2301828,
      "lender_name": "Ram Mortgage, LLC",
      "lender_slug": "ram-mortgage-llc-2301828",
      "branch_city": "Charlotte",
      "branch_state": "NC",
      "branch_zip": "28277",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.rammtg.com/karthik-ks",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/karthik-ks",
      "verified_at": "2026-10-21"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2301828,
        "lender_name": "Ram Mortgage, LLC",
        "lender_slug": "ram-mortgage-llc-2301828",
        "branch_city": "Charlotte",
        "branch_state": "NC",
        "branch_zip": "28277",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.rammtg.com/karthik-ks",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/karthik-ks",
        "verified_at": "2026-10-21"
      },
      {
        "lender_nmls_id": 2707715,
        "lender_name": "Karthik Mortgage Inc",
        "lender_slug": "karthik-mortgage-inc-2707715",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": null,
        "lender_type": "other",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO140482",
        "status": "active",
        "issued_at": "2025-08-14",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2024-01-05",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "IA",
        "license_type": "state_license",
        "license_number": "52738",
        "status": "active",
        "issued_at": "2024-09-30",
        "source": "state_regulator",
        "source_url": "https://idob.iowa.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "ia"
      },
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": "111207",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://data.pa.gov/d/tyxc-jyug",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "pa"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI2507848",
        "status": "active",
        "issued_at": "2023-12-27",
        "source": "state_regulator",
        "source_url": "https://dfpi.ca.gov/",
        "verified_at": "2026-10-24",
        "confidence": "confirmed",
        "regulator": "ca_dfpi",
        "regulator_name": "California Department of Financial Protection and Innovation"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/karthik-ks",
        "verified_at": "2026-10-21",
        "confidence": "lender_reported"
      },
      {
        "state": "IN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/karthik-ks",
        "verified_at": "2026-10-21",
        "confidence": "lender_reported"
      },
      {
        "state": "KS",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/karthik-ks",
        "verified_at": "2026-10-21",
        "confidence": "lender_reported"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.labor.maryland.gov/finance/",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "md"
      },
      {
        "state": "MI",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/karthik-ks",
        "verified_at": "2026-10-21",
        "confidence": "lender_reported"
      },
      {
        "state": "MN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/karthik-ks",
        "verified_at": "2026-10-21",
        "confidence": "lender_reported"
      },
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/karthik-ks",
        "verified_at": "2026-10-21",
        "confidence": "lender_reported"
      },
      {
        "state": "OH",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/karthik-ks",
        "verified_at": "2026-10-21",
        "confidence": "lender_reported"
      },
      {
        "state": "TN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/karthik-ks",
        "verified_at": "2026-10-21",
        "confidence": "lender_reported"
      },
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/karthik-ks",
        "verified_at": "2026-10-21",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 20:25:00.137651+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/karthikeyan-kaduvettipalayam-sankarappan-2507848#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.rammtg.com/karthik-ks",
      "verified_at": "2026-10-21"
    },
    "earliest_license_record": {
      "date": "2023-12-27",
      "state": "CA"
    },
    "licensed_since": {
      "year": 2023,
      "state": "CA"
    },
    "federal_registration": null
  }
}