---
canonical_url: https://lendb.ai/lo/amy-garmon-210598
json_url: https://lendb.ai/lo/amy-garmon-210598.json
nmls_id: 210598
last_verified: 2026-10-15
---

# Amy Garmon

Branch Manager at Top Flite Financial, Inc., Zebulon, GA. NMLS ID 210598 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/210598)).

**Summary:** Amy Garmon (NMLS 210598) is Branch Manager at Top Flite Financial, Inc., based in Zebulon, GA. Lists Alabama, Georgia and Tennessee on the lender page (not yet checked with the state regulator). Earliest state license record: September 19, 2025 (Florida), per state regulator. States 25 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: September 19, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 25 (source: https://tfhomeloans.com/Loan-Officers/agarmon/, verified 2026-10-15)
- Licensed in: Alabama (AL, lender_reported), Georgia (GA, lender_reported), Tennessee (TN, lender_reported)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Facts from the lender page and intro

- years_experience: 25. Source: https://tfhomeloans.com/Loan-Officers/agarmon/, verified 2026-10-15.
- other: Has successfully closed thousands of loans. Source: https://tfhomeloans.com/Loan-Officers/agarmon/, verified 2026-10-15.
- credential: Recognized as one of the top 1% of mortgage professionals nationwide. Source: https://tfhomeloans.com/Loan-Officers/agarmon/, verified 2026-10-15.
- credential: 100% Customer Satisfaction Award (multiple years). Source: https://tfhomeloans.com/Loan-Officers/agarmon/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO141419 | expired | confirmed | 2025-09-19 | state_regulator | 2026-10-15 |
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: Top Flite Financial, Inc. (NMLS 4181), Zebulon, GA. Source: https://tfhomeloans.com/Loan-Officers/agarmon/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/210598

## Contact

- View profile at Top Flite Financial, Inc.: https://tfhomeloans.com/Loan-Officers/agarmon/
- Office phone and Email on file: shown at https://lendb.ai/lo/amy-garmon-210598#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/210598
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://tfhomeloans.com/Loan-Officers/agarmon/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Amy Garmon (NMLS 210598), Top Flite Financial, Inc.. LenDb.ai, https://lendb.ai/lo/amy-garmon-210598, last verified 2026-10-15.

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