--- canonical_url: https://lendb.ai/lo/charles-lally-2143542 json_url: https://lendb.ai/lo/charles-lally-2143542.json nmls_id: 2143542 last_verified: 2026-10-28 --- # Charles Lally Loan officer at Trident Home Loans. NMLS ID 2143542 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2143542)). Charles Lally (NMLS 2143542) is a mortgage loan officer at Trident Home Loans, licensed in Florida since 2023 and in Colorado, Texas, California and 2 more states. **Summary:** Charles Lally (NMLS 2143542) is a loan officer at Trident Home Loans. Licensed in 6 states confirmed with state regulators: Florida, Colorado, Texas, California, Maryland and Illinois. Trident Home Loans also offers Condo, Construction loan, FHA loan, Real estate investor and Jumbo loan and 5 more (a lender program, not confirmed as their own focus). Earliest state license record: August 7, 2023 (Florida), per state regulator. Last verified 2026-10-28. ## Quick answers ### Is Charles licensed in Florida? Yes. Florida regulator records list license LO122087 as active, first effective August 7, 2023 (verified 2026-10-15). LenDb has 5 other states on file for Charles. Source: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip. ### What lender does Charles work for? Trident Home Loans, company NMLS 65716, per the lender's own site (verified 2026-10-13). Source: https://www.sml.texas.gov/. ### How long has Charles been licensed? The earliest state license record LenDb holds for Charles is from August 7, 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_JR_Monthly.zip. ## At a glance - Earliest state license record: August 7, 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 S. Lally (CA, CO, FL, MD, TX, as of 2026-10-26) - Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Texas (TX, confirmed), California (CA DFPI, confirmed), Maryland (MD, confirmed), Illinois (IL, 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) - None on file yet. ### Their lender offers (lender level: Trident Home Loans's programs, not confirmed as this person's focus) - **Condo** (`condo`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Construction loan** (`construction`): verified 2026-10-15. Source: https://tridenthomeloans.com - **FHA loan** (`fha`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Real estate investor** (`investor`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Jumbo loan** (`jumbo`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Low credit score** (`low-credit`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-15. Source: https://tridenthomeloans.com - **USDA loan** (`usda`): verified 2026-10-15. Source: https://tridenthomeloans.com - **VA loan** (`va`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Vacation home** (`vacation-home`): verified 2026-10-15. Source: https://tridenthomeloans.com ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO122087 | active | confirmed | 2023-08-07 | state_regulator | 2026-10-15 | | CO | Colorado regulator | state_license | 100540906 | active | confirmed | 2025-01-06 | state_regulator | 2026-10-16 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2024-12-30 | state_regulator | 2026-10-13 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2143542 | active | confirmed | 2024-12-18 | state_regulator | 2026-10-24 | | MD | Maryland regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-26 | | IL | Illinois regulator | state_license | 31.0084220 | active | confirmed | 2024-02-28 | state_regulator | 2026-10-28 | ## Employment history - ? to present: Trident Home Loans (NMLS 65716). Source: https://www.sml.texas.gov/, verified 2026-10-13. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2143542 ## Contact ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2143542 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=335170&contact=568105 - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://www.labor.maryland.gov/finance/ - state_regulator: https://idfpr.illinois.gov/banks/resfin.html - lender_site (lender programs): https://tridenthomeloans.com Cite as: Charles Lally (NMLS 2143542), Trident Home Loans. LenDb.ai, https://lendb.ai/lo/charles-lally-2143542, last verified 2026-10-28. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._