{
  "canonical_url": "https://lendb.ai/lo/ram-chinavelaka-2643964",
  "lede": {
    "text": "Ram Chinavelaka (NMLS 2643964) is a Mortgage Loan Officer at Loan Factory, licensed in California since 2025 and in Iowa and Massachusetts. Ram speaks English, Hindi and Telugu.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "languages"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Ram licensed in California?",
      "a": "Yes. California regulator records list license CA-DFPI2643964 as active, first effective March 13, 2025 (verified 2026-10-24). LenDb has 9 other states on file for Ram.",
      "fields": [
        "licenses"
      ],
      "source": "California state regulator",
      "source_url": "https://dfpi.ca.gov/",
      "verified_at": "2026-10-24"
    },
    {
      "q": "What lender does Ram work for?",
      "a": "Loan Factory, company NMLS 320841, per the lender's own site (verified 2026-10-09).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/ram-c-2643964",
      "verified_at": "2026-10-09"
    },
    {
      "q": "What languages does Ram speak?",
      "a": "English, Hindi and Telugu, per their lender page (verified 2026-10-09).",
      "fields": [
        "languages"
      ],
      "source": "lender page",
      "source_url": "https://www.loanfactory.com/mortgage-expert/ram-c-2643964",
      "verified_at": "2026-10-09"
    },
    {
      "q": "How long has Ram been licensed?",
      "a": "The earliest state license record LenDb holds for Ram is from March 13, 2025 (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": 2643964,
    "slug": "ram-chinavelaka-2643964",
    "canonical_url": "https://lendb.ai/lo/ram-chinavelaka-2643964",
    "md_url": "https://lendb.ai/lo/ram-chinavelaka-2643964.md",
    "json_url": "https://lendb.ai/lo/ram-chinavelaka-2643964.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2643964",
    "full_name": {
      "value": "Ram Chinavelaka",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/ram-c-2643964",
      "verified_at": "2026-10-09"
    },
    "first_name": "Ram",
    "last_name": "Chinavelaka",
    "licensed_names": [
      {
        "name": "Ramnarayan Chinavelaka",
        "name_with_middle_initial": "Ramnarayan R. Chinavelaka",
        "first_name": "Ramnarayan",
        "middle_initial": "R",
        "last_name": "Chinavelaka",
        "states": [
          "AR",
          "CA",
          "IA",
          "MA"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-26"
      }
    ],
    "headshot_url": {
      "value": "https://lh3.googleusercontent.com/35zPTER2l9uUqT3lH5mkB0rtJEmCatpz4mbvsUTUKH4iJ-Bkr6IYLDpGbSeG8TbsCECVda0FM7yFfdvGyikSxAoRPE5pKlSWoymR",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/ram-c-2643964",
      "verified_at": "2026-10-09"
    },
    "bio": null,
    "title": {
      "value": "Mortgage Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/ram-c-2643964",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [
        "en",
        "hi",
        "te"
      ],
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/ram-c-2643964",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 45,
    "current_employment": {
      "lender_nmls_id": 320841,
      "lender_name": "Loan Factory",
      "lender_slug": "loan-factory-320841",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ram-c-2643964",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.loanfactory.com/mortgage-expert/ram-c-2643964",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 320841,
        "lender_name": "Loan Factory",
        "lender_slug": "loan-factory-320841",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.loanfactory.com/mortgage-expert/ram-c-2643964",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/ram-c-2643964",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "AR",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/ram-c-2643964",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI2643964",
        "status": "active",
        "issued_at": "2025-03-13",
        "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": "IA",
        "license_type": "state_license",
        "license_number": "56041",
        "status": "active",
        "issued_at": "2025-12-30",
        "source": "state_regulator",
        "source_url": "https://idob.iowa.gov/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "ia"
      },
      {
        "state": "MA",
        "license_type": "state_license",
        "license_number": "MLO2643964",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "ma"
      },
      {
        "state": "ME",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/ram-c-2643964",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
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        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/ram-c-2643964",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "NH",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/ram-c-2643964",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "RI",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.loanfactory.com/mortgage-expert/ram-c-2643964",
        "verified_at": "2026-10-09",
        "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.loanfactory.com/mortgage-expert/ram-c-2643964",
        "verified_at": "2026-10-09",
        "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.loanfactory.com/mortgage-expert/ram-c-2643964",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 16:15:12.471355+00",
    "disciplinary_check": "not_checked",
    "gated_contact": null,
    "earliest_license_record": {
      "date": "2025-03-13",
      "state": "CA"
    },
    "licensed_since": {
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      "state": "CA"
    },
    "federal_registration": null
  }
}