--- canonical_url: https://lendb.ai/lo/ram-chinavelaka-2643964 json_url: https://lendb.ai/lo/ram-chinavelaka-2643964.json nmls_id: 2643964 last_verified: 2026-10-26 --- # Ram Chinavelaka Mortgage Loan Officer at Loan Factory. NMLS ID 2643964 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2643964)). 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. **Summary:** Ram Chinavelaka (NMLS 2643964) is Mortgage Loan Officer at Loan Factory. Licensed in 3 states confirmed with state regulators: California, Iowa and Massachusetts. Also lists Arkansas, Maine, North Carolina, New Hampshire, Rhode Island, South Carolina and Virginia on the lender page (not yet checked with the state regulator). Speaks English, Hindi and Telugu. Earliest state license record: March 13, 2025 (California), per state regulator. Last verified 2026-10-26. ## Quick answers ### Is Ram licensed in California? 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. Source: https://dfpi.ca.gov/. ### What lender does Ram work for? Loan Factory, company NMLS 320841, per the lender's own site (verified 2026-10-09). Source: https://www.loanfactory.com/mortgage-expert/ram-c-2643964. ### What languages does Ram speak? English, Hindi and Telugu, per their lender page (verified 2026-10-09). Source: https://www.loanfactory.com/mortgage-expert/ram-c-2643964. ### How long has Ram been licensed? 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. Source: https://dfpi.ca.gov/. ## At a glance - Earliest state license record: March 13, 2025 (California), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Ramnarayan R. Chinavelaka (AR, CA, IA, MA, as of 2026-10-26) - Licensed in: Arkansas (AR, lender_reported), California (CA DFPI, confirmed), Iowa (IA, confirmed), Massachusetts (MA, confirmed), Maine (ME, lender_reported), North Carolina (NC, lender_reported), New Hampshire (NH, lender_reported), Rhode Island (RI, lender_reported), South Carolina (SC, 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: English, Hindi, Telugu (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 | |---|---|---|---|---|---|---|---|---| | AR | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2643964 | active | confirmed | 2025-03-13 | state_regulator | 2026-10-24 | | IA | Iowa regulator | state_license | 56041 | active | confirmed | 2025-12-30 | state_regulator | 2026-10-21 | | MA | Massachusetts regulator | state_license | MLO2643964 | active | confirmed | | state_regulator | 2026-10-26 | | ME | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NH | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | RI | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | SC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | | 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/ram-c-2643964, 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/2643964 ## Contact - View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/ram-c-2643964 ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2643964 - lender_site: https://www.loanfactory.com/mortgage-expert/ram-c-2643964 - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://idob.iowa.gov/ - state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees Cite as: Ram Chinavelaka (NMLS 2643964), Loan Factory. LenDb.ai, https://lendb.ai/lo/ram-chinavelaka-2643964, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._