Charlotte Harrill

Atlantic Bay Mortgage Group

NMLS ID 1236005 (opens in a new tab) · verify at NMLS Consumer Access

Charlotte Harrill (NMLS 1236005) is a loan officer at Atlantic Bay Mortgage Group. Licensed in 2 states confirmed with state regulators: Florida and Texas. Atlantic Bay Mortgage Group also offers Bank statement loan, Down payment assistance, FHA loan, First-time buyer and HELOC and 7 more (a lender program, not confirmed as their own focus). Earliest state license record: April 5, 2018 (Florida), per state regulator.

Last verified . Sources: Atlantic Bay Mortgage Group (sml.texas.gov), Florida state regulator, Texas state regulator and NMLS Consumer Access (license status, check live).

Specialties

Focus

No focus listed on their lender page yet.

    Their lender offers

    Bank statement loan, Down payment assistance, FHA loan, First-time buyer, HELOC, Real estate investor, Jumbo loan, Non-QM loan, Renovation loan (203k / HomeStyle), Self-employed, USDA loan and VA loan. Programs Atlantic Bay Mortgage Group offers (verified 2026-10-08). Lender-level: not confirmed as Charlotte's own focus, so ask.

    Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    Florida, Texas

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO52317, first effective 2018-04-05), TX (opens in a new tab), verified 2026-10-15.

    Contact

    No public business contact on file.

    We never see who you contact.

    Employment history

    1. Atlantic Bay Mortgage Group NMLS 72043

      Current · seen on lender site 2026-10-13

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    Sources

    Name and employerstate regulator · sml.texas.gov (opens in a new tab)verified 2026-10-13
    Licenses (regulator)state regulator · sml.texas.gov (opens in a new tab)verified 2026-10-13
    Lender programsmanual · atlanticbay.com (opens in a new tab)verified 2026-10-08
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Charlotte Harrill (NMLS 1236005), Atlantic Bay Mortgage Group. LenDb.ai, https://lendb.ai/lo/charlotte-harrill-1236005, last verified 2026-10-15.

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