---
canonical_url: https://lendb.ai/lo/justin-harris-186465
json_url: https://lendb.ai/lo/justin-harris-186465.json
nmls_id: 186465
last_verified: 2026-10-09
---

# Justin Harris

Mortgage Branch Manager at U.S. Bank, Franklin, TN. NMLS ID 186465 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/186465)).

**Summary:** Justin Harris (NMLS 186465) is Mortgage Branch Manager at U.S. Bank, based in Franklin, TN. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Licensed since 2014 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2014 (per Florida records). This is license history on file, not total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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


## Facts from the lender page and intro

- credential: Certified builder mortgage loan officer. Source: https://mortgage.usbank.com/tn/franklin/justin-harris-186465, verified 2026-10-09.
- credential: Private wealth mortgage banker. Source: https://mortgage.usbank.com/tn/franklin/justin-harris-186465, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO22886 | expired | confirmed | 2014-01-09 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: U.S. Bank (NMLS 402761), Franklin, TN. Source: https://mortgage.usbank.com/tn/franklin/justin-harris-186465, 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/186465

## Contact

- View profile at U.S. Bank: https://mortgage.usbank.com/tn/franklin/justin-harris-186465
- Office phone and Email on file: shown at https://lendb.ai/lo/justin-harris-186465#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/186465
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://mortgage.usbank.com/tn/franklin/justin-harris-186465

Cite as: Justin Harris (NMLS 186465), U.S. Bank. LenDb.ai, https://lendb.ai/lo/justin-harris-186465, last verified 2026-10-09.

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