{
  "canonical_url": "https://lendb.ai/lo/ryan-charles-247505",
  "loan_officer": {
    "nmls_id": 247505,
    "slug": "ryan-charles-247505",
    "canonical_url": "https://lendb.ai/lo/ryan-charles-247505",
    "md_url": "https://lendb.ai/lo/ryan-charles-247505.md",
    "json_url": "https://lendb.ai/lo/ryan-charles-247505.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/247505",
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      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/rcharles/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Ryan",
    "last_name": "Charles",
    "headshot_url": {
      "value": "https://alcova.com/wp-content/uploads/2024/08/Ryan_Charles.png",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/rcharles/",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Former collegiate and professional athlete with extensive Richmond-area experience, Ryan has worked with thousands of buyers and real estate professionals. He is dedicated to understanding loan programs, market trends, and building strong client relationships.",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/rcharles/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Branch Partner",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/rcharles/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/rcharles/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 4,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 40508,
      "lender_name": "ALCOVA Mortgage",
      "lender_slug": "alcova-mortgage-40508",
      "branch_city": "Richmond",
      "branch_state": "VA",
      "branch_zip": "23230",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://alcova.com/loan-officer/rcharles/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://alcova.com/loan-officer/rcharles/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 40508,
        "lender_name": "ALCOVA Mortgage",
        "lender_slug": "alcova-mortgage-40508",
        "branch_city": "Richmond",
        "branch_state": "VA",
        "branch_zip": "23230",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://alcova.com/loan-officer/rcharles/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rcharles/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO106849",
        "status": "active",
        "issued_at": "2022-04-29",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "GA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rcharles/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "MD",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rcharles/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rcharles/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "PA",
        "license_type": "state_license",
        "license_number": "97814",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://data.pa.gov/d/tyxc-jyug",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "SC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rcharles/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "TN",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rcharles/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "VA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rcharles/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "Thousands of transactions with local buyers and real estate professionals",
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rcharles/",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Inducted into Clover Hill Athletic Hall of Fame (2008); former professional basketball player in 7 countries",
        "source": "lender_site",
        "source_url": "https://alcova.com/loan-officer/rcharles/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 10:13:05.793695+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/ryan-charles-247505#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://alcova.com/loan-officer/rcharles/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2022,
      "state": "FL"
    },
    "federal_registration": null
  }
}