---
canonical_url: https://lendb.ai/lo/phil-o-brien-455191
json_url: https://lendb.ai/lo/phil-o-brien-455191.json
nmls_id: 455191
last_verified: 2026-10-09
---

# Phil O'Brien

Sales Manager, Military Lending Specialist at Wells Fargo Home Mortgage, Roseville, CA. NMLS ID 455191 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/455191)).

**Summary:** Phil O'Brien (NMLS 455191) is Sales Manager, Military Lending Specialist at Wells Fargo Home Mortgage, based in Roseville, CA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: VA loan. Last verified 2026-10-09.

## 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
- Profile: unclaimed
- Status: active

## Specialties

- **VA loan** (`va`): lender page, confidence 0.85, verified 2026-10-09. Source: https://homeloans.wellsfargo.com/mortgage/ca/roseville/philip-j-obrien

## Facts from the lender page and intro

- service_area: Roseville, CA and surrounding areas. Source: https://homeloans.wellsfargo.com/mortgage/ca/roseville/philip-j-obrien, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: Wells Fargo Home Mortgage (NMLS 399801), Roseville, CA. Source: https://homeloans.wellsfargo.com/mortgage/ca/roseville/philip-j-obrien, 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/455191

## Contact

- View profile at Wells Fargo Home Mortgage: https://homeloans.wellsfargo.com/mortgage/ca/roseville/philip-j-obrien
- Office phone and Email on file: shown at https://lendb.ai/lo/phil-o-brien-455191#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/455191
- lender_site: https://homeloans.wellsfargo.com/mortgage/ca/roseville/philip-j-obrien

Cite as: Phil O'Brien (NMLS 455191), Wells Fargo Home Mortgage. LenDb.ai, https://lendb.ai/lo/phil-o-brien-455191, last verified 2026-10-09.

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