Humphrey Lloyd was born in Barmouth, Merionethshire, Wales during the second quarter of 1871 ¹.

He was the son of a Welsh father, Richard Lloyd (b. 1839 in Barmouth) and an English mother, Harriet Poulson (b. 1847 in Rushton, Staffordshire) who had married on 19 May 1868 in Mucklestone, Staffordshire.

Humphrey had five known siblings: Elizabeth Ellen (b. 1869), Harriet (b. 1873), Richard (b. 1875), Winifred (b. 1877) and Arthur John (b. 1882).

The family moved from Wales to the south of England sometime before 1875, settling in Brighton, Sussex. They appear on the 1881 census living at 7 Eastern Terrace Mews and Humphrey's father is described as a domestic coachman. They had moved to 9 Royal Crescent by the time of the 1891 census but Humphrey had already left home by this stage and was listed elsewhere as a boarder at 20 Warrender Road, Islington, London and he was described as a telegraphist. He later went into hospitality and was listed as a hotel clerk on the 1901 census when he was living as a lodger at 2 Endsleigh (?) Gardens, St Pancras, London. When he went to sea is not certain but when the 1911 census was conducted he was described as a ship's steward and lodging at 30 Oxford Street, Southampton. Listed also was another Titanic crewman John Strugnell. Humphrey's family were also listed on the 1911 census, still living in Brighton, now at 13 St Georges Road.

He initially signed-on to the Titanic in Belfast for her delivery trip to Southampton. When he signed-on again, on 4 April 1912, he gave his address as the Criterion, Oxford Street, (Southampton) and his age as 32. His last ship had been the Olympic. As a saloon steward he received monthly wages of £3, 15s.

Humphrey Lloyd, who was unmarried, died in the sinking and his body was later recovered by the Mackay-Bennett (#57) and buried at sea.

Both his parents continued to reside in Brighton but died within the decade.