--- canonical_url: https://lendb.ai/lo/garrett-collins-12903 json_url: https://lendb.ai/lo/garrett-collins-12903.json nmls_id: 12903 last_verified: 2026-10-26 --- # Garrett Collins Partner | Loan Officer at Blue Water Mortgage, LLC. NMLS ID 12903 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/12903)). Garrett Collins (NMLS 12903) is a mortgage loan officer at Blue Water Mortgage, LLC, licensed in Florida since 2022 and in Texas, Connecticut and Massachusetts. **Summary:** Garrett Collins (NMLS 12903) is Partner | Loan Officer at Blue Water Mortgage, LLC. Licensed in 4 states confirmed with state regulators: Florida, Texas, Connecticut and Massachusetts. Also lists Maine and New Hampshire on the lender page (not yet checked with the state regulator). Earliest state license record: November 2, 2022 (Florida), per state regulator. Last verified 2026-10-26. ## Quick answers ### Is Garrett licensed in Florida? Yes. Florida regulator records list license LO114778 as active, first effective November 2, 2022 (verified 2026-10-15). LenDb has 5 other states on file for Garrett. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ### What lender does Garrett work for? Blue Water Mortgage, LLC, company NMLS 1291, per the lender's own site (verified 2026-10-15). Source: https://bluewatermtg.com/our-team/garrett-collins/. ### How long has Garrett been licensed? The earliest state license record LenDb holds for Garrett is from November 2, 2022 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ## At a glance - Earliest state license record: November 2, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Garrett F. Collins (CT, FL, MA, TX, as of 2026-10-26) - Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Connecticut (CT, confirmed), Massachusetts (MA, confirmed), Maine (ME, lender_reported), New Hampshire (NH, 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ## About Garrett Collins is a Partner and Loan Officer at Blue Water Mortgage, with the company since 2002. They say they have a referral network of realtors and professional services across New England. They are licensed in CT, FL, MA, ME, NH and TX. Source: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - years_experience: since 2002. Source: https://bluewatermtg.com/our-team/garrett-collins/, verified 2026-10-15. - service_area: New England. Source: https://bluewatermtg.com/our-team/garrett-collins/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO114778 | active | confirmed | 2022-11-02 | state_regulator | 2026-10-15 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2023-04-02 | state_regulator | 2026-10-13 | | CT | Connecticut regulator | state_license | LO-12903 | active | confirmed | | state_regulator | 2026-10-15 | | MA | Massachusetts regulator | state_license | MLO12903 | active | confirmed | | state_regulator | 2026-10-26 | | ME | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | NH | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Blue Water Mortgage, LLC (NMLS 1291). Source: https://bluewatermtg.com/our-team/garrett-collins/, 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/12903 ## Contact - linkedin_url: https://www.linkedin.com/in/garrett-collins-67b566b/ (source: lender_site, verified 2026-10-15) - View profile at Blue Water Mortgage, LLC: https://bluewatermtg.com/our-team/garrett-collins/ - Office phone and Email on file: shown at https://lendb.ai/lo/garrett-collins-12903#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/12903 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut - state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees - lender_site: https://bluewatermtg.com/our-team/garrett-collins/ Cite as: Garrett Collins (NMLS 12903), Blue Water Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/garrett-collins-12903, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._