---
canonical_url: https://lendb.ai/lo/stephanie-heaton-849134
json_url: https://lendb.ai/lo/stephanie-heaton-849134.json
nmls_id: 849134
last_verified: 2026-10-09
---

# Stephanie Heaton

Private Mortgage Banker, Military Lending Specialist at Wells Fargo Home Mortgage, San Francisco, CA. NMLS ID 849134 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/849134)).

**Summary:** Stephanie Heaton (NMLS 849134) is Private Mortgage Banker, Military Lending Specialist at Wells Fargo Home Mortgage, based in San Francisco, 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. Earliest state license record: February 1, 2021 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: February 1, 2021 (Florida), per state regulator. 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/san-francisco/stephanie-heaton

## Facts from the lender page and intro

- service_area: San Francisco, CA. Source: https://homeloans.wellsfargo.com/mortgage/ca/san-francisco/stephanie-heaton, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO81187 | expired | confirmed | 2021-02-01 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Wells Fargo Home Mortgage (NMLS 399801), San Francisco, CA. Source: https://homeloans.wellsfargo.com/mortgage/ca/san-francisco/stephanie-heaton, 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/849134

## Contact

- linkedin_url: https://www.linkedin.com/in/stephanie-heaton/ (source: lender_site, verified 2026-10-09)
- View profile at Wells Fargo Home Mortgage: https://homeloans.wellsfargo.com/mortgage/ca/san-francisco/stephanie-heaton
- Office phone and Email on file: shown at https://lendb.ai/lo/stephanie-heaton-849134#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/849134
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://homeloans.wellsfargo.com/mortgage/ca/san-francisco/stephanie-heaton

Cite as: Stephanie Heaton (NMLS 849134), Wells Fargo Home Mortgage. LenDb.ai, https://lendb.ai/lo/stephanie-heaton-849134, last verified 2026-10-09.

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