---
canonical_url: https://lendb.ai/lo/char-lee-smith-485886
json_url: https://lendb.ai/lo/char-lee-smith-485886.json
nmls_id: 485886
last_verified: 2026-10-09
---

# Char-Lee Smith

Sr. Loan Officer at Atlantic Coast Mortgage, Huntersville, NC. NMLS ID 485886 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/485886)).

**Summary:** Char-Lee Smith (NMLS 485886) is Sr. Loan Officer at Atlantic Coast Mortgage, based in Huntersville, NC. Lists North Carolina and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. States 35 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 35 (source: https://www.atlanticcoastmortgage.com/lo/char-lee-smith/, verified 2026-10-09)
- Licensed in: North Carolina (NC, 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: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.atlanticcoastmortgage.com/lo/char-lee-smith/

## About

Sr. Loan Officer with 35 years in the mortgage industry. Specializes in first-time homebuyers, new construction, down payment assistance, and VA loans for military personnel in North Carolina and Virginia.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 35. Source: https://www.atlanticcoastmortgage.com/lo/char-lee-smith/, verified 2026-10-09.
- service_area: North Carolina and Virginia. Source: https://www.atlanticcoastmortgage.com/lo/char-lee-smith/, verified 2026-10-09.
- community: Supports Brenner's Foundation, helping motivate and inspire individuals and corporations to support veterans and homeless shelters. Source: https://www.atlanticcoastmortgage.com/lo/char-lee-smith/, verified 2026-10-09.
- credential: Top Women Originators, Scotsman Guide (2022); Top Originator, Scotsman Guide (2022); Top Mortgage Professional, Washingtonian Magazine (2022); Top Producers, National Mortgage News (2022); Top 200 Mor. Source: https://www.atlanticcoastmortgage.com/lo/char-lee-smith/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| NC | 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: Atlantic Coast Mortgage (NMLS 643114), Huntersville, NC. Source: https://www.atlanticcoastmortgage.com/lo/char-lee-smith/, 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/485886

## Contact

- linkedin_url: https://www.linkedin.com/in/charleevsmith/ (source: lender_site, verified 2026-10-09)
- View profile at Atlantic Coast Mortgage: https://www.atlanticcoastmortgage.com/lo/char-lee-smith/

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/485886
- lender_site: https://www.atlanticcoastmortgage.com/lo/char-lee-smith/

Cite as: Char-Lee Smith (NMLS 485886), Atlantic Coast Mortgage. LenDb.ai, https://lendb.ai/lo/char-lee-smith-485886, last verified 2026-10-09.

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