Lloyd grew up in a military family that eventually settled down in Clarksville, TN. When he was a senior in high school, Lloyd trusted Christ as his Lord and Savior. His spiritual journey grew most significantly during his college years through the work and ministry of Campus Crusade for Christ at the University of Tennessee, Knoxville.
After college graduation, Lloyd worked with FamilyLife in Little Rock, AR for 15 years. During that time he met Lisa and they were married in 1991. He attended Dallas Theological Seminary from 1991 to 1993 where he earned his Master of Arts in Biblical Studies (M.A.B.S.). Lloyd and his family moved to Franklin at the end of 1996 to co-plant Fellowship Bible Church, where he currently serves as one of the teaching pastors.
Lloyd and Lisa have been married for 29 years and reside in Franklin. They have three children: Darden (24), Susan (21) and Sally (18).