{
  "canonical_url": "https://lendb.ai/lo/garrett-collins-12903",
  "loan_officer": {
    "nmls_id": 12903,
    "slug": "garrett-collins-12903",
    "canonical_url": "https://lendb.ai/lo/garrett-collins-12903",
    "md_url": "https://lendb.ai/lo/garrett-collins-12903.md",
    "json_url": "https://lendb.ai/lo/garrett-collins-12903.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/12903",
    "full_name": {
      "value": "Garrett Collins",
      "source": "state_regulator",
      "source_url": "https://bluewatermtg.com/our-team/garrett-collins/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Garrett",
    "last_name": "Collins",
    "licensed_names": [
      {
        "name": "Garrett Collins",
        "name_with_middle_initial": "Garrett F. Collins",
        "first_name": "Garrett",
        "middle_initial": "F",
        "last_name": "Collins",
        "states": [
          "CT",
          "FL",
          "MA",
          "TX"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-26"
      }
    ],
    "headshot_url": null,
    "bio": {
      "value": "Garrett Collins is a Partner and Loan Officer at Blue Water Mortgage, with the company since 2002. They say they have a referral network of realtors and professional services across New England. They are licensed in CT, FL, MA, ME, NH and TX.",
      "source": "state_regulator",
      "source_url": "https://bluewatermtg.com/our-team/garrett-collins/",
      "verified_at": "2026-10-15"
    },
    "title": {
      "value": "Partner | Loan Officer",
      "source": "state_regulator",
      "source_url": "https://bluewatermtg.com/our-team/garrett-collins/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://bluewatermtg.com/our-team/garrett-collins/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 60,
    "current_employment": {
      "lender_nmls_id": 1291,
      "lender_name": "Blue Water Mortgage, LLC",
      "lender_slug": "blue-water-mortgage-llc-1291",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://bluewatermtg.com/our-team/garrett-collins/",
      "lender_type": "imb",
      "source": "state_regulator",
      "source_url": "https://bluewatermtg.com/our-team/garrett-collins/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1291,
        "lender_name": "Blue Water Mortgage, LLC",
        "lender_slug": "blue-water-mortgage-llc-1291",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://bluewatermtg.com/our-team/garrett-collins/",
        "lender_type": "imb",
        "source": "state_regulator",
        "source_url": "https://bluewatermtg.com/our-team/garrett-collins/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO114778",
        "status": "active",
        "issued_at": "2022-11-02",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2023-04-02",
        "source": "state_regulator",
        "source_url": "https://www.sml.texas.gov/",
        "verified_at": "2026-10-13",
        "confidence": "confirmed",
        "regulator": "tx"
      },
      {
        "state": "CT",
        "license_type": "state_license",
        "license_number": "LO-12903",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "ct"
      },
      {
        "state": "MA",
        "license_type": "state_license",
        "license_number": "MLO12903",
        "status": "active",
        "issued_at": null,
        "source": "state_regulator",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees",
        "verified_at": "2026-10-26",
        "confidence": "confirmed",
        "regulator": "ma"
      },
      {
        "state": "ME",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/garrett-collins/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "NH",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/garrett-collins/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/garrett-collins-67b566b/",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/garrett-collins/",
        "verified_at": "2026-10-15"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "since 2002",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/garrett-collins/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "service_area",
        "value": "New England",
        "source": "lender_site",
        "source_url": "https://bluewatermtg.com/our-team/garrett-collins/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-26",
    "updated_at": "2026-10-26 16:15:12.471355+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/garrett-collins-12903#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://bluewatermtg.com/our-team/garrett-collins/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2022-11-02",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2022,
      "state": "FL"
    },
    "federal_registration": null
  }
}