---
canonical_url: https://lendb.ai/lo/ryan-charles-247505
json_url: https://lendb.ai/lo/ryan-charles-247505.json
nmls_id: 247505
last_verified: 2026-10-09
---

# Ryan Charles

Branch Partner at ALCOVA Mortgage, Richmond, VA. NMLS ID 247505 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/247505)).

**Summary:** Ryan Charles (NMLS 247505) is Branch Partner at ALCOVA Mortgage, based in Richmond, VA. Licensed in 2 states confirmed with state regulators: Florida and Pennsylvania. Also lists Georgia, Maryland, North Carolina, South Carolina, Tennessee and Virginia on the lender page (not yet checked with the state regulator). 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), Pennsylvania (PA, confirmed), Georgia (GA, lender_reported), Maryland (MD, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, 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


## About

Former collegiate and professional athlete who has worked with thousands of local buyers in the Richmond area. Focused on strong client relationships and staying current on loan programs and market trends.

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

## Facts from the lender page and intro

- education: Made Dean's List at Radford University. Source: https://alcova.com/loan-officer/rcharles/, verified 2026-10-09.
- credential: Inducted into Clover Hill Athletic Hall of Fame (2008). Source: https://alcova.com/loan-officer/rcharles/, verified 2026-10-09.
- community: Involved in local and community events, Board member of Rotary Club of Powhatan. Source: https://alcova.com/loan-officer/rcharles/, verified 2026-10-09.
- service_area: Richmond area and local buyers/real estate professionals. Source: https://alcova.com/loan-officer/rcharles/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO106849 | active | confirmed | 2022-04-29 | state_regulator | 2026-10-09 |
| PA | state_license | 97814 | active | confirmed |  | state_regulator | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | 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 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: ALCOVA Mortgage (NMLS 40508), Richmond, VA. Source: https://alcova.com/loan-officer/rcharles/, 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/247505

## Contact

- View profile at ALCOVA Mortgage: https://alcova.com/loan-officer/rcharles/
- Email on file: shown at https://lendb.ai/lo/ryan-charles-247505#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/247505
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://alcova.com/loan-officer/rcharles/

Cite as: Ryan Charles (NMLS 247505), ALCOVA Mortgage. LenDb.ai, https://lendb.ai/lo/ryan-charles-247505, last verified 2026-10-09.

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