--- canonical_url: https://lendb.ai/lo/karthikeyan-krishnakumar-2778087 json_url: https://lendb.ai/lo/karthikeyan-krishnakumar-2778087.json nmls_id: 2778087 last_verified: 2026-10-26 --- # Karthikeyan Krishnakumar Loan Officer at Ram Mortgage, LLC, Charlotte, NC. NMLS ID 2778087 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2778087)). 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. **Summary:** Karthikeyan Krishnakumar (NMLS 2778087) is Loan Officer at Ram Mortgage, LLC, based in Charlotte, NC. Licensed in 6 states confirmed with state regulators: Florida, Texas, Iowa, Pennsylvania, California and Maryland. Also lists Alabama, Georgia, Indiana, Kansas, Michigan, Minnesota, North Carolina, Ohio and 3 more on the lender page (not yet checked with the state regulator). Earliest state license record: July 3, 2026 (Texas), per state regulator. Last verified 2026-10-26. ## 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: https://www.rammtg.com/karthikeyan-krishnakumar. ### 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: https://www.rammtg.com/karthikeyan-krishnakumar. ### 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: https://www.sml.texas.gov/. ## At a glance - Earliest state license record: July 3, 2026 (Texas), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Iowa (IA, confirmed), Pennsylvania (PA, confirmed), Alabama (AL, lender_reported), California (CA DFPI, confirmed), Georgia (GA, lender_reported), Indiana (IN, lender_reported), Kansas (KS, lender_reported), Maryland (MD, confirmed), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), North Carolina (NC, lender_reported), Ohio (OH, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, 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 (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.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO149918 | active | confirmed | 2026-07-30 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2026-07-03 | state_regulator | 2026-10-13 | | IA | Iowa regulator | state_license | 57861 | active | confirmed | 2026-07-20 | state_regulator | 2026-10-20 | | PA | Pennsylvania regulator | state_license | 122081 | active | confirmed | | state_regulator | 2026-10-16 | | AL | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-21 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2778087 | active | confirmed | 2026-07-26 | state_regulator | 2026-10-24 | | GA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-21 | | IN | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-21 | | KS | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-21 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | MI | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-21 | | MN | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-21 | | NC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-21 | | OH | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-21 | | SC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-21 | | TN | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-21 | | VA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-21 | ## Employment history - ? to present: Ram Mortgage, LLC (NMLS 2301828), Charlotte, NC. Source: https://www.rammtg.com/karthikeyan-krishnakumar, verified 2026-10-21. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2778087 ## Contact - View profile at Ram Mortgage, LLC: https://www.rammtg.com/karthikeyan-krishnakumar - Office phone and Email on file: shown at https://lendb.ai/lo/karthikeyan-krishnakumar-2778087#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2778087 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://idob.iowa.gov/ - state_regulator: https://data.pa.gov/d/tyxc-jyug - lender_site: https://www.rammtg.com/karthikeyan-krishnakumar - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://www.labor.maryland.gov/finance/ Cite as: Karthikeyan Krishnakumar (NMLS 2778087), Ram Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/karthikeyan-krishnakumar-2778087, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._