Dawn Garrels
Mortgage Loan Originator at AnnieMac Home Mortgage · Apollo Beach, FL
NMLS ID 328038 (opens in a new tab) · verify at NMLS Consumer Access
Dawn Garrels (NMLS 328038) is Mortgage Loan Originator at AnnieMac Home Mortgage, based in Apollo Beach, FL. Licensed in Florida, confirmed with the state regulator (license LO67768). Earliest state license record: February 11, 2020 (Florida), per state regulator.
Last verified . Sources: AnnieMac Home Mortgage (annie-mac.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: February 11, 2020 (Florida), per state regulator
- 1 state
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
None listed on the lender page yet.
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO67768, first effective 2020-02-11), verified 2026-10-09.
Contact
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Employment history
AnnieMac Home Mortgage NMLS 338923
Current · Apollo Beach, FL · seen on lender site 2026-10-10
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
With over 20 years in the mortgage industry, Down specializes in FHA, VA, USDA, and conventional loans. She brings 360° knowledge of the loan process from roles in packaging, processing, auditing, operations, and origination.
Our summary of the lender page. Verified 2026-10-10.
- Role
- career began in 2001 in packaging and warehousing, evolved to processing, auditing, operations, and origination
- Source (opens in a new tab), verified 2026-10-10
- Credentials
- served as internal auditor for law firm investigating mortgage fraud
- Source (opens in a new tab), verified 2026-10-10
- Community
- serves through church board, local Lions Club, and supports veterans and service members
- Source (opens in a new tab), verified 2026-10-10
Sources
| Name and employer | lender site · annie-mac.com (opens in a new tab) | verified 2026-10-10 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · annie-mac.com (opens in a new tab) | verified 2026-10-10 |
| Contact | lender site · annie-mac.com (opens in a new tab) | verified 2026-10-10 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Dawn Garrels (NMLS 328038), AnnieMac Home Mortgage. LenDb.ai, https://lendb.ai/lo/dawnmarie-garrels-328038, last verified 2026-10-10.
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