---
canonical_url: https://lendb.ai/lo/james-mcniff-13292
json_url: https://lendb.ai/lo/james-mcniff-13292.json
nmls_id: 13292
last_verified: 2026-10-09
---

# James McNiff Jr

VP of Mortgage Lending at Total Mortgage Services, Shelton, CT. NMLS ID 13292 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/13292)).

**Summary:** James McNiff Jr (NMLS 13292) is VP of Mortgage Lending at Total Mortgage Services, based in Shelton, CT. Licensed in 3 states confirmed with state regulators: Florida, Colorado and Pennsylvania. Earliest state license record: February 2, 2011 (Florida), per state regulator. States 14 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: February 2, 2011 (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): 14 (source: https://www.totalmortgage.com/bankers/jim-mcniff, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed)
- 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

James has 14 years of mortgage lending experience in Southern Connecticut. He's closed over $500 million in loans, with nearly 80% from repeat customers and referrals, and has been named Loan Officer of the Year 6 times.

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

## Facts from the lender page and intro

- years_experience: 14. Source: https://www.totalmortgage.com/bankers/jim-mcniff, verified 2026-10-09.
- credential: Loan Officer of the Year 6 times. Source: https://www.totalmortgage.com/bankers/jim-mcniff, verified 2026-10-09.
- credential: 5-star rating on Zillow. Source: https://www.totalmortgage.com/bankers/jim-mcniff, verified 2026-10-09.
- education: Bachelor's degree in Finance from Catholic University of America. Source: https://www.totalmortgage.com/bankers/jim-mcniff, verified 2026-10-09.
- service_area: Southern Connecticut; serves borrowers across the country. Source: https://www.totalmortgage.com/bankers/jim-mcniff, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO2059 | active | confirmed | 2011-02-02 | state_regulator | 2026-10-09 |
| CO | state_license | 100038538 | active | confirmed | 2012-02-22 | state_regulator | 2026-10-10 |
| PA | state_license | 30775 | active | confirmed |  | state_regulator | 2026-10-10 |

## Employment history

- ? to present: Total Mortgage Services (NMLS 2764), Shelton, CT. Source: https://www.totalmortgage.com/bankers/jim-mcniff, 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/13292

## Contact

- linkedin_url: https://www.linkedin.com/in/james-mcniff-jr (source: lender_site, verified 2026-10-09)
- View profile at Total Mortgage Services: https://www.totalmortgage.com/bankers/jim-mcniff
- Office phone and Email on file: shown at https://lendb.ai/lo/james-mcniff-13292#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/13292
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=140286&contact=36740
- state_regulator: https://data.pa.gov/d/tyxc-jyug
- lender_site: https://www.totalmortgage.com/bankers/jim-mcniff

Cite as: James McNiff Jr (NMLS 13292), Total Mortgage Services. LenDb.ai, https://lendb.ai/lo/james-mcniff-13292, last verified 2026-10-09.

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