---
canonical_url: https://lendb.ai/lo/julie-arnold-175611
json_url: https://lendb.ai/lo/julie-arnold-175611.json
nmls_id: 175611
last_verified: 2026-10-09
---

# Julie Arnold

Sr. Loan Officer at Highlands Residential Mortgage, Brentwood, TN. NMLS ID 175611 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/175611)).

**Summary:** Julie Arnold (NMLS 175611) is Sr. Loan Officer at Highlands Residential Mortgage, based in Brentwood, TN. Licensed in Florida, confirmed with the state regulator (license LO97776). Also lists Alabama, Georgia, Illinois, Kentucky, North Carolina, South Carolina and Tennessee on the lender page (not yet checked with the state regulator). Earliest state license record: November 18, 2021 (Florida), per state regulator. States 21 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: November 18, 2021 (Florida), 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): 21 (source: https://www.highlandsmortgage.com/agents/julie-arnold/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Georgia (GA, lender_reported), Illinois (IL, lender_reported), Kentucky (KY, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, 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


## About

Julie has 21+ years in mortgage lending and has helped hundreds of families achieve homeownership. She emphasizes honest communication, timely updates, and reliable service, with most clients coming through referrals.

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

## Facts from the lender page and intro

- years_experience: 21. Source: https://www.highlandsmortgage.com/agents/julie-arnold/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO97776 | active | confirmed | 2021-11-18 | state_regulator | 2026-10-09 |
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | 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 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Highlands Residential Mortgage (NMLS 134871), Brentwood, TN. Source: https://www.highlandsmortgage.com/agents/julie-arnold/, 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/175611

## Contact

- linkedin_url: https://www.linkedin.com/in/julie-a-arnold-a31a7811/ (source: lender_site, verified 2026-10-09)
- View profile at Highlands Residential Mortgage: https://www.highlandsmortgage.com/agents/julie-arnold/
- Office phone and Email on file: shown at https://lendb.ai/lo/julie-arnold-175611#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/175611
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.highlandsmortgage.com/agents/julie-arnold/

Cite as: Julie Arnold (NMLS 175611), Highlands Residential Mortgage. LenDb.ai, https://lendb.ai/lo/julie-arnold-175611, last verified 2026-10-09.

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