---
canonical_url: https://lendb.ai/lo/wipa-garrard-2322527
json_url: https://lendb.ai/lo/wipa-garrard-2322527.json
nmls_id: 2322527
last_verified: 2026-10-26
---

# Wipa Garrard

Jr. Loan Officer at Granite Bank, Athens, AL. NMLS ID 2322527 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2322527)).

Wipa Garrard, NMLS 2322527, works as a Jr. Loan Officer at Granite Bank in Athens, Alabama.

**Summary:** Wipa Garrard (NMLS 2322527) is Jr. Loan Officer at Granite Bank, based in Athens, AL. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Last verified 2026-10-26.

## Quick answers

### Is Wipa licensed?

Wipa works at a bank; bank loan officers register with NMLS federally instead of holding state licenses. Verify at NMLS Consumer Access. Source: employer type in LenDb's lender registry.

### What lender does Wipa work for?

Granite Bank, company NMLS 405434, from the Athens, AL office, per the lender's own site (verified 2026-10-26). Source: https://granitebank.com/loan-officer/wipagarrard/.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or 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 (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

Wipa Garrard is a Jr. Loan Officer in Athens, Alabama. They earned a bachelor's degree in nursing before starting in mortgage lending. They are originally from Thailand and have two children.

Source: LenDb summary of the lender page, verified 2026-10-26.

## Facts from the lender page and intro

- education: Bachelor's degree in nursing. Source: https://granitebank.com/loan-officer/wipagarrard/, verified 2026-10-26.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Granite Bank (NMLS 405434), Athens, AL. Source: https://granitebank.com/loan-officer/wipagarrard/, verified 2026-10-26.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2322527

## Contact

- View profile at Granite Bank: https://granitebank.com/loan-officer/wipagarrard/
- Office phone and Email on file: shown at https://lendb.ai/lo/wipa-garrard-2322527#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2322527
- lender_site: https://granitebank.com/loan-officer/wipagarrard/

Cite as: Wipa Garrard (NMLS 2322527), Granite Bank. LenDb.ai, https://lendb.ai/lo/wipa-garrard-2322527, last verified 2026-10-26.

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