---
canonical_url: https://lendb.ai/lo/charles-bratten-387986
json_url: https://lendb.ai/lo/charles-bratten-387986.json
nmls_id: 387986
last_verified: 2026-10-09
---

# Charles Bratten

Mortgage Loan Officer at Truist Bank, Palm Beach Gardens, FL. NMLS ID 387986 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/387986)).

**Summary:** Charles Bratten (NMLS 387986) is Mortgage Loan Officer at Truist Bank, based in Palm Beach Gardens, FL. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: Jumbo loan and Physician and medical professional. 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.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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: English
- Profile: unclaimed
- Status: active

## Specialties

- **Jumbo loan** (`jumbo`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.truist.com/finder/mortgage/charles-bratten-mortgage-loan-officer-palm-beach-gardens-fl-33410
- **Physician and medical professional** (`physician`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.truist.com/finder/mortgage/charles-bratten-mortgage-loan-officer-palm-beach-gardens-fl-33410

## About

Charles Bratten has 24+ years of mortgage industry experience. They take a personalized approach, listening to each client's unique financial goals to find optimal loan solutions.

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

## Facts from the lender page and intro

- education: BS Business Administration from Auburn University (1991). Source: https://www.truist.com/finder/mortgage/charles-bratten-mortgage-loan-officer-palm-beach-gardens-fl-33410, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Truist Bank (NMLS 399803), Palm Beach Gardens, FL. Source: https://www.truist.com/finder/mortgage/charles-bratten-mortgage-loan-officer-palm-beach-gardens-fl-33410, 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/387986

## Contact

- View profile at Truist Bank: https://www.truist.com/finder/mortgage/charles-bratten-mortgage-loan-officer-palm-beach-gardens-fl-33410
- Office phone and Email on file: shown at https://lendb.ai/lo/charles-bratten-387986#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/387986
- lender_site: https://www.truist.com/finder/mortgage/charles-bratten-mortgage-loan-officer-palm-beach-gardens-fl-33410

Cite as: Charles Bratten (NMLS 387986), Truist Bank. LenDb.ai, https://lendb.ai/lo/charles-bratten-387986, last verified 2026-10-09.

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