---
canonical_url: https://lendb.ai/lo/denise-lott-704436
json_url: https://lendb.ai/lo/denise-lott-704436.json
nmls_id: 704436
last_verified: 2026-10-09
---

# Denise Lott

Branch Manager at Union Home Mortgage, Savannah, GA. NMLS ID 704436 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/704436)).

**Summary:** Denise Lott (NMLS 704436) is Branch Manager at Union Home Mortgage, based in Savannah, GA. Licensed in Florida, confirmed with the state regulator (license LO67770). Also lists Alabama, Georgia, Illinois, Maryland, Maine, New Jersey and South Carolina on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Licensed since 2020 (per Florida records). States 20 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2020 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 20 (source: https://www.uhm.com/loan-officers/denise-lott/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Maryland (MD, lender_reported), Maine (ME, lender_reported), New Jersey (NJ, lender_reported), South Carolina (SC, lender_reported)
- 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.uhm.com/loan-officers/denise-lott/

## About

With over 20 years of mortgage industry experience, Denise specializes in first-time homebuyers. She is committed to community involvement through Coastal Empire Habitat for Humanity.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.uhm.com/loan-officers/denise-lott/, verified 2026-10-09.
- role: Built a successful lending team and strong network of real estate professionals in Savannah. Source: https://www.uhm.com/loan-officers/denise-lott/, verified 2026-10-09.
- community: Supports Coastal Empire Habitat for Humanity. Source: https://www.uhm.com/loan-officers/denise-lott/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO67770 | active | confirmed | 2020-02-11 | state_regulator | 2026-10-09 |
| AL | state_license | 84722 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | 42266 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IL | state_license | 031.0080414 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | state_license | 704436 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| ME | state_license | 704436 | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Union Home Mortgage (NMLS 2229), Savannah, GA. Source: https://www.uhm.com/loan-officers/denise-lott/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/704436

## Contact

- linkedin_url: https://www.linkedin.com/in/denise-lott/ (source: lender_site, verified 2026-10-09)
- View profile at Union Home Mortgage: https://www.uhm.com/loan-officers/denise-lott/
- Office phone and Email on file: shown at https://lendb.ai/lo/denise-lott-704436#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/704436
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.uhm.com/loan-officers/denise-lott/

Cite as: Denise Lott (NMLS 704436), Union Home Mortgage. LenDb.ai, https://lendb.ai/lo/denise-lott-704436, last verified 2026-10-09.

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