{
  "canonical_url": "https://lendb.ai/lo/charles-davis-1740379",
  "loan_officer": {
    "nmls_id": 1740379,
    "slug": "charles-davis-1740379",
    "canonical_url": "https://lendb.ai/lo/charles-davis-1740379",
    "md_url": "https://lendb.ai/lo/charles-davis-1740379.md",
    "json_url": "https://lendb.ai/lo/charles-davis-1740379.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1740379",
    "full_name": {
      "value": "Charles Davis",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/charles",
      "verified_at": "2026-10-09"
    },
    "first_name": "Charles",
    "last_name": "Davis",
    "headshot_url": {
      "value": "https://v5.airtableusercontent.com/v3/u/58/58/1791525600000/AXnlbiAw-_qdffWxTl0P_Q/4WAQ8mkq1UFvFe4Yvp3tmrVx5XxksjPSPvojJpEhLEgxDlt4MhghvVlgTWnI3U54HFZ_wJOP-9U4EQgD_9WmyRwE7pTzXBht3EEceMghFc3mH6Kt99inh6ZquXCVrUweA9rEg-fUy15U14GeNJ6mQ2X88bCgA16jWiUw5YWR-lU/1bz2fBfk2ONAEzmzuP7Fe1skvnvWTgHWoBrlQeP_xaA",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/charles",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Mortgage Loan Originator and broker licensed in Colorado, Florida, Georgia, South Carolina, and North Carolina. Specializes in reverse mortgages, DSCR investor loans, and bank statement programs for self-employed borrowers.",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/charles",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/charles",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/charles",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 4,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 1839243,
      "lender_name": "Empire Home Loans",
      "lender_slug": "empire-home-loans-1839243",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.empirehomeloans.com/team/charles",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/charles",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1839243,
        "lender_name": "Empire Home Loans",
        "lender_slug": "empire-home-loans-1839243",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.empirehomeloans.com/team/charles",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/charles",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO102387",
        "status": "active",
        "issued_at": "2022-02-15",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/charles",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/charles",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/charles",
        "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.empirehomeloans.com/team/charles",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/charles",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "bank-statement",
        "label": "Bank statement loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/charles",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "dscr",
        "label": "DSCR loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/charles",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/charles",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/charles",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "credential",
        "value": "Licensed in Colorado, Florida, Georgia, South Carolina, and North Carolina",
        "source": "lender_site",
        "source_url": "https://www.empirehomeloans.com/team/charles",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 09:54:27.324381+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/charles-davis-1740379#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.empirehomeloans.com/team/charles",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2022,
      "state": "FL"
    },
    "federal_registration": null
  }
}