--- canonical_url: https://lendb.ai/lo/julia-garriott-487451 json_url: https://lendb.ai/lo/julia-garriott-487451.json nmls_id: 487451 last_verified: 2026-10-20 --- # Julia Garriott Loan Officer at Lifetime Home Loans, LLC. NMLS ID 487451 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/487451)). Julia Garriott (NMLS 487451) is a Loan Officer at Lifetime Home Loans, LLC, licensed in Oregon since 2019 and in Colorado. **Summary:** Julia Garriott (NMLS 487451) is Loan Officer at Lifetime Home Loans, LLC. Licensed in 2 states confirmed with state regulators: Colorado and Oregon. Also lists Arizona, California, Idaho and Washington on the lender page (not yet checked with the state regulator). Earliest state license record: April 22, 2019 (Oregon), per state regulator. States 18 years of experience. Last verified 2026-10-20. ## Quick answers ### Is Julia licensed in Colorado? 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. Source: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=249262&contact=469966. ### What lender does Julia work for? Lifetime Home Loans, LLC, company NMLS 1861406, per the lender's own site (verified 2026-10-15). Source: https://lifetimehomeloans.com/project/julia-garriott/. ### How long has Julia been licensed? 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. Source: https://dfr.oregon.gov/. ## At a glance - Earliest state license record: April 22, 2019 (Oregon), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 18 (source: https://lifetimehomeloans.com/project/julia-garriott/, verified 2026-10-15) - Also licensed as (state regulator records, same NMLS ID): Julia A. Garriott (CO, FL, OR, as of 2026-10-09) - Licensed in: Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, confirmed), Idaho (ID, lender_reported), Oregon (OR, confirmed), Washington (WA, 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. ## Facts from the lender page and intro - years_experience: 18. Source: https://lifetimehomeloans.com/project/julia-garriott/, verified 2026-10-15. - credential: MBA. Source: https://lifetimehomeloans.com/project/julia-garriott/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO101933 | expired | confirmed | 2022-02-08 | state_regulator | 2026-10-15 | | AZ | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | CA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | CO | Colorado regulator | state_license | 100531249 | active | confirmed | 2022-03-08 | state_regulator | 2026-10-16 | | ID | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | OR | Oregon regulator | state_license | n/a | active | confirmed | 2019-04-22 | state_regulator | 2026-10-20 | | WA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Lifetime Home Loans, LLC (NMLS 1861406). Source: https://lifetimehomeloans.com/project/julia-garriott/, 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/487451 ## Contact - View profile at Lifetime Home Loans, LLC: https://lifetimehomeloans.com/project/julia-garriott/ - Office phone and Email on file: shown at https://lendb.ai/lo/julia-garriott-487451#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/487451 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - lender_site: https://lifetimehomeloans.com/project/julia-garriott/ - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=249262&contact=469966 - state_regulator: https://dfr.oregon.gov/ Cite as: Julia Garriott (NMLS 487451), Lifetime Home Loans, LLC. LenDb.ai, https://lendb.ai/lo/julia-garriott-487451, last verified 2026-10-20. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._