---
canonical_url: https://lendb.ai/lo/punam-adhikari-kc-2740435
json_url: https://lendb.ai/lo/punam-adhikari-kc-2740435.json
nmls_id: 2740435
last_verified: 2026-10-09
---

# Punam Adhikari KC

Mortgage Loan Officer at Loan Factory. NMLS ID 2740435 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2740435)).

**Summary:** Punam Adhikari KC (NMLS 2740435) is Mortgage Loan Officer at Loan Factory. Lists California and Texas on the lender page (not yet checked with the state regulator). Speaks English, Hindi and Nepali. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: California (CA, lender_reported), Texas (TX, 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: English, Hindi, Nepali
- Profile: unclaimed
- Status: active

## Specialties


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/punam-adhikari-kc-2740435, 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/2740435

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/punam-adhikari-kc-2740435

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2740435
- lender_site: https://www.loanfactory.com/mortgage-expert/punam-adhikari-kc-2740435

Cite as: Punam Adhikari KC (NMLS 2740435), Loan Factory. LenDb.ai, https://lendb.ai/lo/punam-adhikari-kc-2740435, last verified 2026-10-09.

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