---
canonical_url: https://lendb.ai/lo/philip-j-mears-400555
json_url: https://lendb.ai/lo/philip-j-mears-400555.json
nmls_id: 400555
last_verified: 2026-10-09
---

# Philip J Mears

Home Mortgage Consultant, New Construction Specialist, Military Lending Specialist at Wells Fargo Home Mortgage, Appleton, WI. NMLS ID 400555 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/400555)).

**Summary:** Philip J Mears (NMLS 400555) is Home Mortgage Consultant, New Construction Specialist, Military Lending Specialist at Wells Fargo Home Mortgage, based in Appleton, WI. 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: New construction and VA loan. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not 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

- **New construction** (`new-construction`): lender page, confidence 0.85, verified 2026-10-09. Source: https://homeloans.wellsfargo.com/mortgage/wi/appleton/philipmears
- **VA loan** (`va`): lender page, confidence 0.85, verified 2026-10-09. Source: https://homeloans.wellsfargo.com/mortgage/wi/appleton/philipmears

## Licenses

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

## Employment history

- ? to present: Wells Fargo Home Mortgage (NMLS 399801), Appleton, WI. Source: https://homeloans.wellsfargo.com/mortgage/wi/appleton/philipmears, 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/400555

## Contact

- linkedin_url: https://www.linkedin.com/in/phil-mears-614a383/ (source: lender_site, verified 2026-10-09)
- View profile at Wells Fargo Home Mortgage: https://homeloans.wellsfargo.com/mortgage/wi/appleton/philipmears
- Office phone and Email on file: shown at https://lendb.ai/lo/philip-j-mears-400555#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/400555
- lender_site: https://homeloans.wellsfargo.com/mortgage/wi/appleton/philipmears

Cite as: Philip J Mears (NMLS 400555), Wells Fargo Home Mortgage. LenDb.ai, https://lendb.ai/lo/philip-j-mears-400555, last verified 2026-10-09.

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