--- canonical_url: https://lendb.ai/lo/ram-kalagara-1956002 json_url: https://lendb.ai/lo/ram-kalagara-1956002.json nmls_id: 1956002 last_verified: 2026-10-26 --- # Ram Kalagara President at Ram Mortgage, LLC, Charlotte, NC. NMLS ID 1956002 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1956002)). Based in Charlotte, North Carolina, Ram Kalagara (NMLS 1956002) is a President at Ram Mortgage, LLC, licensed in Florida since 2022 and in Texas, Colorado, Pennsylvania and Maryland. **Summary:** Ram Kalagara (NMLS 1956002) is President at Ram Mortgage, LLC, based in Charlotte, NC. Licensed in 5 states confirmed with state regulators: Florida, Texas, Colorado, Pennsylvania and Maryland. Also lists Georgia, Indiana, Michigan, North Carolina, New Jersey, Ohio, South Carolina, Tennessee and 2 more on the lender page (not yet checked with the state regulator). Earliest state license record: May 20, 2022 (Florida), per state regulator. Last verified 2026-10-26. ## Quick answers ### Is Ram licensed in North Carolina? Ram Mortgage, LLC's page for Ram lists North Carolina. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 14 other states on file for Ram. Source: https://www.rammtg.com/ram-kalagara. ### What lender does Ram 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/ram-kalagara. ### How long has Ram been licensed? The earliest state license record LenDb holds for Ram is from May 20, 2022 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ## At a glance - Earliest state license record: May 20, 2022 (Florida), 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): Ram V. Kalagara (CO, FL, MD, TX, as of 2026-10-26) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed), Georgia (GA, lender_reported), Indiana (IN, lender_reported), Maryland (MD, confirmed), Michigan (MI, lender_reported), North Carolina (NC, lender_reported), New Jersey (NJ, lender_reported), Ohio (OH, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, lender_reported), Washington (WA, 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 | LO107980 | active | confirmed | 2022-05-20 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2022-05-24 | state_regulator | 2026-10-13 | | CO | Colorado regulator | state_license | 100545919 | active | confirmed | 2026-06-30 | state_regulator | 2026-10-16 | | PA | Pennsylvania regulator | state_license | 105796 | active | confirmed | | state_regulator | 2026-10-16 | | 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 | | 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 | | NC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-21 | | NJ | | 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 | | WA | | 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/ram-kalagara, 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/1956002 ## Contact - View profile at Ram Mortgage, LLC: https://www.rammtg.com/ram-kalagara - Office phone and Email on file: shown at https://lendb.ai/lo/ram-kalagara-1956002#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1956002 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=356053&contact=527122 - state_regulator: https://data.pa.gov/d/tyxc-jyug - lender_site: https://www.rammtg.com/ram-kalagara - state_regulator: https://www.labor.maryland.gov/finance/ Cite as: Ram Kalagara (NMLS 1956002), Ram Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/ram-kalagara-1956002, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._