{
  "canonical_url": "https://lendb.ai/lo/karthikeyan-krishnakumar-2778087",
  "lede": {
    "text": "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.",
    "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 16 other states on file for Karthikeyan.",
      "fields": [
        "licenses"
      ],
      "source": "lender page",
      "source_url": "https://www.rammtg.com/karthikeyan-krishnakumar",
      "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/karthikeyan-krishnakumar",
      "verified_at": "2026-10-21"
    },
    {
      "q": "How long has Karthikeyan been licensed?",
      "a": "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.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Texas state regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    }
  ],
  "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": 2778087,
    "slug": "karthikeyan-krishnakumar-2778087",
    "canonical_url": "https://lendb.ai/lo/karthikeyan-krishnakumar-2778087",
    "md_url": "https://lendb.ai/lo/karthikeyan-krishnakumar-2778087.md",
    "json_url": "https://lendb.ai/lo/karthikeyan-krishnakumar-2778087.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2778087",
    "full_name": {
      "value": "Karthikeyan Krishnakumar",
      "source": "state_regulator",
      "source_url": "https://www.rammtg.com/karthikeyan-krishnakumar",
      "verified_at": "2026-10-21"
    },
    "first_name": "Karthikeyan",
    "last_name": "Krishnakumar",
    "headshot_url": {
      "value": "https://kwzoucopgdlhuiaryyuy.supabase.co/storage/v1/object/sign/staff-photos/loan-officers/karthikeyan-krishnakumar.png?token=eyJraWQiOiJzdG9yYWdlLXVybC1zaWduaW5nLWtleV8xYzhmYzcyNS1kZTY0LTQwZWEtYjI2Yy1hMzEyZjNlZjViN2IiLCJhbGciOiJIUzI1NiJ9.eyJ1cmwiOiJzdGFmZi1waG90b3MvbG9hbi1vZmZpY2Vycy9rYXJ0aGlrZXlhbi1rcmlzaG5ha3VtYXIucG5nIiwic2NvcGUiOiJkb3dubG9hZCIsImlhdCI6MTc4MTgxOTA1MSwiZXhwIjoyMDk3MTc5MDUxfQ.Uh-h_WoJdE69CZ2JizHbFCbOEP9Wm9Esns3K1_1Odhc",
      "source": "state_regulator",
      "source_url": "https://www.rammtg.com/karthikeyan-krishnakumar",
      "verified_at": "2026-10-21"
    },
    "bio": null,
    "title": {
      "value": "Loan Officer",
      "source": "state_regulator",
      "source_url": "https://www.rammtg.com/karthikeyan-krishnakumar",
      "verified_at": "2026-10-21"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.rammtg.com/karthikeyan-krishnakumar",
      "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/karthikeyan-krishnakumar",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://www.rammtg.com/karthikeyan-krishnakumar",
      "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/karthikeyan-krishnakumar",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://www.rammtg.com/karthikeyan-krishnakumar",
        "verified_at": "2026-10-21"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO149918",
        "status": "active",
        "issued_at": "2026-07-30",
        "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": "2026-07-03",
        "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": "57861",
        "status": "active",
        "issued_at": "2026-07-20",
        "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": "122081",
        "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": "AL",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/karthikeyan-krishnakumar",
        "verified_at": "2026-10-21",
        "confidence": "lender_reported"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI2778087",
        "status": "active",
        "issued_at": "2026-07-26",
        "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/karthikeyan-krishnakumar",
        "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/karthikeyan-krishnakumar",
        "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/karthikeyan-krishnakumar",
        "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/karthikeyan-krishnakumar",
        "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/karthikeyan-krishnakumar",
        "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/karthikeyan-krishnakumar",
        "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/karthikeyan-krishnakumar",
        "verified_at": "2026-10-21",
        "confidence": "lender_reported"
      },
      {
        "state": "SC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.rammtg.com/karthikeyan-krishnakumar",
        "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/karthikeyan-krishnakumar",
        "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/karthikeyan-krishnakumar",
        "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-krishnakumar-2778087#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/karthikeyan-krishnakumar",
      "verified_at": "2026-10-21"
    },
    "earliest_license_record": {
      "date": "2026-07-03",
      "state": "TX"
    },
    "licensed_since": {
      "year": 2026,
      "state": "TX"
    },
    "federal_registration": null
  }
}