---
canonical_url: https://lendb.ai/lo/charles-davis-1740379
json_url: https://lendb.ai/lo/charles-davis-1740379.json
nmls_id: 1740379
last_verified: 2026-10-09
---

# Charles Davis

Loan Officer at Empire Home Loans. NMLS ID 1740379 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1740379)).

**Summary:** Charles Davis (NMLS 1740379) is Loan Officer at Empire Home Loans. Licensed in Florida, confirmed with the state regulator (license LO102387). Also lists Colorado, Georgia, North Carolina and South Carolina on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Real estate investor, Bank statement loan, DSCR loan, Reverse mortgage and Self-employed. Licensed since 2022 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2022 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Colorado (CO, lender_reported), Georgia (GA, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, 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

- **Real estate investor** (`investor`): lender page, confidence 0.80, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/charles
- **Bank statement loan** (`bank-statement`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/charles
- **DSCR loan** (`dscr`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/charles
- **Reverse mortgage** (`reverse`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/charles
- **Self-employed** (`self-employed`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.empirehomeloans.com/team/charles

## About

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

## Facts from the lender page and intro

- credential: Licensed in Colorado, Florida, Georgia, South Carolina, and North Carolina. Source: https://www.empirehomeloans.com/team/charles, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO102387 | active | confirmed | 2022-02-15 | state_regulator | 2026-10-09 |
| CO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Empire Home Loans (NMLS 1839243). Source: https://www.empirehomeloans.com/team/charles, 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/1740379

## Contact

- View profile at Empire Home Loans: https://www.empirehomeloans.com/team/charles
- Office phone and Email on file: shown at https://lendb.ai/lo/charles-davis-1740379#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1740379
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.empirehomeloans.com/team/charles

Cite as: Charles Davis (NMLS 1740379), Empire Home Loans. LenDb.ai, https://lendb.ai/lo/charles-davis-1740379, last verified 2026-10-09.

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