Karthikeyan Krishnakumar
Loan Officer at Ram Mortgage, LLC · Charlotte, NC
NMLS ID 2778087 (opens in a new tab) · verify at NMLS Consumer Access
Based in Charlotte, North Carolina, Karthikeyan Krishnakumar (NMLS 2778087) is a Loan Officer at Ram Mortgage, LLC, licensed in Texas since 2026 and in Florida, Iowa, Pennsylvania and 2 more states.
Last verified . Sources: Ram Mortgage, LLC (rammtg.com), Florida state regulator, Texas state regulator, Iowa state regulator, Pennsylvania state regulator, California state regulator, Maryland state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: July 3, 2026 (Texas), per state regulator
- 17 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Karthikeyan licensed in North Carolina?
- 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 16 other states on file for Karthikeyan.
- Source: lender page (opens in a new tab)
- What lender does Karthikeyan work for?
- Ram Mortgage, LLC, company NMLS 2301828, from the Charlotte, NC office, per the lender's own site (verified 2026-10-21).
- Source: lender site (opens in a new tab)
- How long has Karthikeyan been licensed?
- The earliest state license record LenDb holds for Karthikeyan is from July 3, 2026 (Texas regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
- Source: Texas state regulator (opens in a new tab)
Specialties
Focus
No focus listed on their lender page yet.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Florida, Texas, Iowa, Pennsylvania, Alabama, California, Georgia, Indiana, Kansas, Maryland, Michigan, Minnesota, North Carolina, Ohio, South Carolina, Tennessee, Virginia
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO149918, first effective 2026-07-30), TX (opens in a new tab), IA (opens in a new tab) (57861, first effective 2026-07-20), PA (opens in a new tab) (122081), CA DFPI (opens in a new tab) (CA-DFPI2778087, first effective 2026-07-26), MD (opens in a new tab), verified 2026-10-15.
Lender-reported: AL, GA, IN, KS, MI, MN, NC, OH, SC, TN, VA are listed on the lender page, not yet checked with the state regulator.
Contact
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Employment history
Ram Mortgage, LLC NMLS 2301828
Current · Charlotte, NC · seen on lender site 2026-10-21
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
Sources
| Name and employer | state regulator · rammtg.com (opens in a new tab) | verified 2026-10-21 |
| Licenses (regulator) | state regulator · labor.maryland.gov (opens in a new tab) | verified 2026-10-26 |
| Licensed states | lender site · rammtg.com (opens in a new tab) | verified 2026-10-21 |
| Contact | lender site · rammtg.com (opens in a new tab) | verified 2026-10-21 |
| Photo | state regulator · rammtg.com (opens in a new tab) | verified 2026-10-21 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Karthikeyan Krishnakumar (NMLS 2778087), Ram Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/karthikeyan-krishnakumar-2778087, last verified 2026-10-26.
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