{
  "canonical_url": "https://lendb.ai/lo/charles-adkins-2501484",
  "lede": {
    "text": "Charles Adkins (NMLS 2501484) is an Executive Loan Officer at INDEPENDENCE HOME LOANS LLC, licensed in Florida since 2023 and in Oregon, California and Maryland. Charles's focus, from their own profile, includes FHA loan and reverse mortgage.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "specialties"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Charles licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO121719 as active, first effective July 22, 2023 (verified 2026-10-15). LenDb has 3 other states on file for Charles.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "Does Charles do FHA loans?",
      "a": "Charles's profile lists FHA loan as a focus (from their lender profile page). It also lists reverse mortgage.",
      "fields": [
        "specialties"
      ],
      "source": "lender page",
      "source_url": "https://independencehl.com/charles-adkins/",
      "verified_at": "2026-10-26"
    },
    {
      "q": "What lender does Charles work for?",
      "a": "INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://independencehl.com/charles-adkins/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Charles been licensed?",
      "a": "The earliest state license record LenDb holds for Charles is from July 22, 2023 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.",
      "fields": [
        "earliest_license_record"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
      "verified_at": "2026-10-15"
    }
  ],
  "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": 2501484,
    "slug": "charles-adkins-2501484",
    "canonical_url": "https://lendb.ai/lo/charles-adkins-2501484",
    "md_url": "https://lendb.ai/lo/charles-adkins-2501484.md",
    "json_url": "https://lendb.ai/lo/charles-adkins-2501484.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2501484",
    "full_name": {
      "value": "Charles Adkins",
      "source": "lender_site",
      "source_url": "https://independencehl.com/charles-adkins/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Charles",
    "last_name": "Adkins",
    "licensed_names": [
      {
        "name": "Charles Adkins",
        "name_with_middle_initial": "Charles A. Adkins",
        "first_name": "Charles",
        "middle_initial": "A",
        "last_name": "Adkins",
        "states": [
          "CA",
          "FL",
          "MD",
          "OR"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-26"
      }
    ],
    "headshot_url": {
      "value": "https://independencehl.com/wp-content/uploads/2025/10/CharlesAdkinsWebsite-350x350.png",
      "source": "lender_site",
      "source_url": "https://independencehl.com/charles-adkins/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Executive Loan Officer",
      "source": "lender_site",
      "source_url": "https://independencehl.com/charles-adkins/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://independencehl.com/charles-adkins/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 65,
    "current_employment": {
      "lender_nmls_id": 2524174,
      "lender_name": "INDEPENDENCE HOME LOANS LLC",
      "lender_slug": "independence-home-loans-llc-2524174",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://independencehl.com/charles-adkins/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://independencehl.com/charles-adkins/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2524174,
        "lender_name": "INDEPENDENCE HOME LOANS LLC",
        "lender_slug": "independence-home-loans-llc-2524174",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://independencehl.com/charles-adkins/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://independencehl.com/charles-adkins/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO121719",
        "status": "active",
        "issued_at": "2023-07-22",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": "1474344",
        "status": "active",
        "issued_at": "2025-11-03",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "WI",
        "license_type": "state_license",
        "license_number": "2501484",
        "status": "expired",
        "issued_at": "2025-08-08",
        "source": "state_regulator",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "verified_at": "2026-10-21",
        "confidence": "confirmed",
        "regulator": "wi"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": "CA-DFPI2501484",
        "status": "active",
        "issued_at": "2023-08-17",
        "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": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.labor.maryland.gov/finance/",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "md"
      }
    ],
    "specialties": [
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.55,
        "source": "lender_site",
        "source_url": "https://independencehl.com/charles-adkins/",
        "verified_at": "2026-10-26"
      },
      {
        "slug": "reverse",
        "label": "Reverse mortgage",
        "evidence": "lender_page_text",
        "confidence": 0.55,
        "source": "lender_site",
        "source_url": "https://independencehl.com/charles-adkins/",
        "verified_at": "2026-10-26"
      }
    ],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "education",
        "value": "Bachelor's degree in Healthcare Management, Towson University (Maryland)",
        "source": "lender_site",
        "source_url": "https://independencehl.com/charles-adkins/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "role",
        "value": "Assistant Vice President in training who developed and led own team",
        "source": "lender_site",
        "source_url": "https://independencehl.com/charles-adkins/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "Consistently ranked as the top producer year after year",
        "source": "lender_site",
        "source_url": "https://independencehl.com/charles-adkins/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 20:25:00.137651+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/charles-adkins-2501484#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://independencehl.com/charles-adkins/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2023-07-22",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2023,
      "state": "FL"
    },
    "federal_registration": null
  }
}