{
  "canonical_url": "https://lendb.ai/lo/julia-garriott-487451",
  "lede": {
    "text": "Julia Garriott (NMLS 487451) is a Loan Officer at Lifetime Home Loans, LLC, licensed in Oregon since 2019 and in Colorado.",
    "fields": [
      "full_name",
      "nmls_id",
      "title",
      "current_employment",
      "licenses",
      "earliest_license_record"
    ]
  },
  "quick_answers": [
    {
      "q": "Is Julia licensed in Colorado?",
      "a": "Yes. Colorado regulator records list license 100531249 as active, first effective March 8, 2022 (verified 2026-10-16). LenDb has 5 other states on file for Julia.",
      "fields": [
        "licenses"
      ],
      "source": "Colorado state regulator",
      "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=249262&contact=469966",
      "verified_at": "2026-10-16"
    },
    {
      "q": "What lender does Julia work for?",
      "a": "Lifetime Home Loans, LLC, company NMLS 1861406, per the lender's own site (verified 2026-10-15).",
      "fields": [
        "current_employment"
      ],
      "source": "lender site",
      "source_url": "https://lifetimehomeloans.com/project/julia-garriott/",
      "verified_at": "2026-10-15"
    },
    {
      "q": "How long has Julia been licensed?",
      "a": "The earliest state license record LenDb holds for Julia is from April 22, 2019 (Oregon regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Julia states 18 years of experience.",
      "fields": [
        "earliest_license_record",
        "years_experience"
      ],
      "source": "Oregon state regulator",
      "source_url": "https://dfr.oregon.gov/",
      "verified_at": "2026-10-20"
    }
  ],
  "field_notes": {
    "languages": "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."
  },
  "loan_officer": {
    "nmls_id": 487451,
    "slug": "julia-garriott-487451",
    "canonical_url": "https://lendb.ai/lo/julia-garriott-487451",
    "md_url": "https://lendb.ai/lo/julia-garriott-487451.md",
    "json_url": "https://lendb.ai/lo/julia-garriott-487451.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/487451",
    "full_name": {
      "value": "Julia Garriott",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/julia-garriott/",
      "verified_at": "2026-10-15"
    },
    "first_name": "Julia",
    "last_name": "Garriott",
    "licensed_names": [
      {
        "name": "Julia Garriott",
        "name_with_middle_initial": "Julia A. Garriott",
        "first_name": "Julia",
        "middle_initial": "A",
        "last_name": "Garriott",
        "states": [
          "CO",
          "FL",
          "OR"
        ],
        "source": "state_regulator",
        "as_of": "2026-10-09"
      }
    ],
    "headshot_url": {
      "value": "https://lifetimehomeloans.com/wp-content/uploads/2025/01/Garriott-Julia.png",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/julia-garriott/",
      "verified_at": "2026-10-15"
    },
    "bio": null,
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/julia-garriott/",
      "verified_at": "2026-10-15"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/julia-garriott/",
      "verified_at": "2026-10-15"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 18,
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/julia-garriott/",
      "verified_at": "2026-10-15"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 60,
    "current_employment": {
      "lender_nmls_id": 1861406,
      "lender_name": "Lifetime Home Loans, LLC",
      "lender_slug": "lifetime-home-loans-llc-1861406",
      "branch_city": null,
      "branch_state": null,
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://lifetimehomeloans.com/project/julia-garriott/",
      "lender_type": "other",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/julia-garriott/",
      "verified_at": "2026-10-15"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1861406,
        "lender_name": "Lifetime Home Loans, LLC",
        "lender_slug": "lifetime-home-loans-llc-1861406",
        "branch_city": null,
        "branch_state": null,
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://lifetimehomeloans.com/project/julia-garriott/",
        "lender_type": "other",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/julia-garriott/",
        "verified_at": "2026-10-15"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO101933",
        "status": "expired",
        "issued_at": "2022-02-08",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-15",
        "confidence": "confirmed",
        "regulator": "fl"
      },
      {
        "state": "AZ",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/julia-garriott/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "CA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/julia-garriott/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100531249",
        "status": "active",
        "issued_at": "2022-03-08",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=249262&contact=469966",
        "verified_at": "2026-10-16",
        "confidence": "confirmed",
        "regulator": "co"
      },
      {
        "state": "ID",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/julia-garriott/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      },
      {
        "state": "OR",
        "license_type": "state_license",
        "license_number": null,
        "status": "active",
        "issued_at": "2019-04-22",
        "source": "state_regulator",
        "source_url": "https://dfr.oregon.gov/",
        "verified_at": "2026-10-20",
        "confidence": "confirmed",
        "regulator": "or"
      },
      {
        "state": "WA",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/julia-garriott/",
        "verified_at": "2026-10-15",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "lender_offers": [],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "18",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/julia-garriott/",
        "verified_at": "2026-10-15"
      },
      {
        "kind": "credential",
        "value": "MBA",
        "source": "lender_site",
        "source_url": "https://lifetimehomeloans.com/project/julia-garriott/",
        "verified_at": "2026-10-15"
      }
    ],
    "last_verified_at": "2026-10-20",
    "updated_at": "2026-10-20 22:59:37.914776+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/julia-garriott-487451#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://lifetimehomeloans.com/project/julia-garriott/",
      "verified_at": "2026-10-15"
    },
    "earliest_license_record": {
      "date": "2019-04-22",
      "state": "OR"
    },
    "licensed_since": {
      "year": 2019,
      "state": "OR"
    },
    "federal_registration": null
  }
}