{
  "canonical_url": "https://lendb.ai/lo/charles-roberts-586203",
  "lede": {
    "text": "Charlie Roberts (NMLS 586203) is a Mortgage Loan Originator at CME Lending Group LLC, licensed in Illinois since 2022 and in Florida and Texas. Charlie works at an FHA-approved lender, per HUD.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record",
      "employer_program_approvals"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Charlie licensed in Florida?",
      "a": "Yes. Florida regulator records list license LO146014 as active, first effective March 19, 2026 (verified 2026-10-15). LenDb has 4 other states on file for Charlie.",
      "fields": [
        "licenses"
      ],
      "source": "Florida state regulator",
      "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
      "verified_at": "2026-10-15"
    },
    {
      "q": "What lender does Charlie work for, and is it FHA-approved?",
      "a": "CME Lending Group LLC, company NMLS 1248883, per the lender's own site (verified 2026-10-15). Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026).",
      "fields": [
        "current_employment",
        "employer_program_approvals"
      ],
      "source": "lender site; HUD",
      "source_url": "https://themortgageexchange.com/team-member/charlie-roberts/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Charlie been licensed?",
      "a": "The earliest state license record LenDb holds for Charlie is from January 28, 2022 (Illinois regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Charlie states 15 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Illinois state regulator",
      "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
      "verified_at": "2026-10-28"
    }
  ],
  "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": 586203,
    "slug": "charles-roberts-586203",
    "canonical_url": "https://lendb.ai/lo/charles-roberts-586203",
    "md_url": "https://lendb.ai/lo/charles-roberts-586203.md",
    "json_url": "https://lendb.ai/lo/charles-roberts-586203.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/586203",
    "full_name": {
      "value": "Charlie Roberts",
      "source": "state_regulator",
      "source_url": "https://themortgageexchange.com/team-member/charlie-roberts/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Charlie",
    "last_name": "Roberts",
    "licensed_names": [
      {
        "name": "Charles Roberts",
        "name_with_middle_initial": "Charles J. Roberts",
        "first_name": "Charles",
        "middle_initial": "J",
        "last_name": "Roberts",
        "states": [
          "FL",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-12"
      },
      {
        "name": "Charles Roberts",
        "name_with_middle_initial": null,
        "first_name": "Charles",
        "middle_initial": null,
        "last_name": "Roberts",
        "states": [
          "IL"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-27"
      }
    ],
    "headshot_url": {
      "value": "https://themortgageexchange.com/clients/2915/uploads/2026/04/CharlieRobertsProfilePic26.png",
      "source": "state_regulator",
      "source_url": "https://themortgageexchange.com/team-member/charlie-roberts/",
      "verified_at": "2026-10-15"
    },
    "bio": {
      "value": "Charlie Roberts is a Mortgage Loan Originator licensed in IL, IN, MI, FL and TX. They have worked in mortgage and financial services for over 15 years and serve clients in Indiana, Michigan and Illinois. They are a Northwest Indiana native and value time with their wife and four daughters.",
      "source": "state_regulator",
      "source_url": "https://themortgageexchange.com/team-member/charlie-roberts/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Mortgage Loan Originator",
      "source": "state_regulator",
      "source_url": "https://themortgageexchange.com/team-member/charlie-roberts/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://themortgageexchange.com/team-member/charlie-roberts/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 15,
      "source": "lender_site",
      "source_url": "https://themortgageexchange.com/team-member/charlie-roberts/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 75,
    "current_employment": {
      "lender_nmls_id": 1248883,
      "lender_name": "CME Lending Group LLC",
      "lender_slug": "cme-lending-group-llc-1248883",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://themortgageexchange.com/team-member/charlie-roberts/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://themortgageexchange.com/team-member/charlie-roberts/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1248883,
        "lender_name": "CME Lending Group LLC",
        "lender_slug": "cme-lending-group-llc-1248883",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://themortgageexchange.com/team-member/charlie-roberts/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://themortgageexchange.com/team-member/charlie-roberts/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO146014",
        "status": "active",
        "issued_at": "2026-03-19",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2026-06-12",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "IL",
        "license_type": "state_license",
        "license_number": "31.0075334",
        "status": "active",
        "issued_at": "2022-01-28",
        "source": "state_regulator",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
        "verified_at": "2026-10-28",
        "confidence": "confirmed",
        "regulator": "il"
      },
      {
        "state": "IN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/charlie-roberts/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "MI",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/charlie-roberts/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "employer_program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "15",
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/charlie-roberts/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "service_area",
        "value": "Indiana, Michigan, and Illinois",
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/charlie-roberts/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "community",
        "value": "active member of the community",
        "source": "lender_site",
        "source_url": "https://themortgageexchange.com/team-member/charlie-roberts/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-28",
    "updated_at": "2026-10-28 14:33:10.461673+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/charles-roberts-586203#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://themortgageexchange.com/team-member/charlie-roberts/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2022-01-28",
      "state": "IL"
    },
    "licensed_since": {
      "year": 2022,
      "state": "IL"
    },
    "federal_registration": null
  }
}