---
canonical_url: https://lendb.ai/lo/dawnmarie-garrels-328038
json_url: https://lendb.ai/lo/dawnmarie-garrels-328038.json
nmls_id: 328038
last_verified: 2026-10-10
---

# Dawn Garrels

Mortgage Loan Originator at AnnieMac Home Mortgage, Apollo Beach, FL. NMLS ID 328038 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/328038)).

**Summary:** 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 2026-10-10.

## At a glance

- Earliest state license record: February 11, 2020 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed)
- 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

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.

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

## Facts from the lender page and intro

- years_experience: over 20. Source: https://annie-mac.com/lo/dawngarrels/, verified 2026-10-10.
- role: career began in 2001 in packaging and warehousing, evolved to processing, auditing, operations, and origination. Source: https://annie-mac.com/lo/dawngarrels/, verified 2026-10-10.
- credential: served as internal auditor for law firm investigating mortgage fraud. Source: https://annie-mac.com/lo/dawngarrels/, verified 2026-10-10.
- community: serves through church board, local Lions Club, and supports veterans and service members. Source: https://annie-mac.com/lo/dawngarrels/, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO67768 | active | confirmed | 2020-02-11 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: AnnieMac Home Mortgage (NMLS 338923), Apollo Beach, FL. Source: https://annie-mac.com/lo/dawngarrels/, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/328038

## Contact

- View profile at AnnieMac Home Mortgage: https://annie-mac.com/lo/dawngarrels/
- Office phone and Email on file: shown at https://lendb.ai/lo/dawnmarie-garrels-328038#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/328038
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://annie-mac.com/lo/dawngarrels/

Cite as: Dawn Garrels (NMLS 328038), AnnieMac Home Mortgage. LenDb.ai, https://lendb.ai/lo/dawnmarie-garrels-328038, last verified 2026-10-10.

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