--- canonical_url: https://lendb.ai/lo/charles-adkins-2501484 json_url: https://lendb.ai/lo/charles-adkins-2501484.json nmls_id: 2501484 last_verified: 2026-10-26 --- # Charles Adkins Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. NMLS ID 2501484 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2501484)). 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. **Summary:** Charles Adkins (NMLS 2501484) is Executive Loan Officer at INDEPENDENCE HOME LOANS LLC. Licensed in 4 states confirmed with state regulators: Florida, Oregon, California and Maryland. Focus areas shown on the lender page: FHA loan and Reverse mortgage. Earliest state license record: July 22, 2023 (Florida), per state regulator. Last verified 2026-10-26. ## Quick answers ### Is Charles licensed in Florida? 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. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ### Does Charles do FHA loans? Charles's profile lists FHA loan as a focus (from their lender profile page). It also lists reverse mortgage. Source: https://independencehl.com/charles-adkins/. ### What lender does Charles work for? INDEPENDENCE HOME LOANS LLC, company NMLS 2524174, per the lender's own site (verified 2026-10-15). Source: https://independencehl.com/charles-adkins/. ### How long has Charles been licensed? 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. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ## At a glance - Earliest state license record: July 22, 2023 (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): Charles A. Adkins (CA, FL, MD, OR, as of 2026-10-26) - Licensed in: Florida (FL, confirmed), Oregon (OR, confirmed), California (CA DFPI, confirmed), Maryland (MD, confirmed) - 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) - **FHA loan** (`fha`): from their lender profile page, confidence 0.55, verified 2026-10-26. Source: https://independencehl.com/charles-adkins/ - **Reverse mortgage** (`reverse`): from their lender profile page, confidence 0.55, verified 2026-10-26. Source: https://independencehl.com/charles-adkins/ ## Facts from the lender page and intro - education: Bachelor's degree in Healthcare Management, Towson University (Maryland). Source: https://independencehl.com/charles-adkins/, verified 2026-10-15. - role: Assistant Vice President in training who developed and led own team. Source: https://independencehl.com/charles-adkins/, verified 2026-10-15. - credential: Consistently ranked as the top producer year after year. Source: https://independencehl.com/charles-adkins/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO121719 | active | confirmed | 2023-07-22 | state_regulator | 2026-10-15 | | OR | Oregon regulator | state_license | 1474344 | active | confirmed | 2025-11-03 | state_regulator | 2026-10-20 | | WI | Wisconsin regulator | state_license | 2501484 | expired | confirmed | 2025-08-08 | state_regulator | 2026-10-21 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2501484 | active | confirmed | 2023-08-17 | state_regulator | 2026-10-24 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | ## Employment history - ? to present: INDEPENDENCE HOME LOANS LLC (NMLS 2524174). Source: https://independencehl.com/charles-adkins/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2501484 ## Contact - View profile at INDEPENDENCE HOME LOANS LLC: https://independencehl.com/charles-adkins/ - Office phone and Email on file: shown at https://lendb.ai/lo/charles-adkins-2501484#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2501484 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://dfr.oregon.gov/ - state_regulator: https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/ - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://www.labor.maryland.gov/finance/ - lender_site: https://independencehl.com/charles-adkins/ Cite as: Charles Adkins (NMLS 2501484), INDEPENDENCE HOME LOANS LLC. LenDb.ai, https://lendb.ai/lo/charles-adkins-2501484, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._