---
canonical_url: https://lendb.ai/lo/stephanie-phillips-491090
json_url: https://lendb.ai/lo/stephanie-phillips-491090.json
nmls_id: 491090
last_verified: 2026-10-15
---

# Stephanie Phillips

Branch Manager at Top Flite Financial, Inc., Johnson City, TN. NMLS ID 491090 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/491090)).

**Summary:** Stephanie Phillips (NMLS 491090) is Branch Manager at Top Flite Financial, Inc., based in Johnson City, TN. Licensed in Florida, confirmed with the state regulator (license LO144930). Also lists Kentucky, Tennessee and Virginia on the lender page (not yet checked with the state regulator). Earliest state license record: February 11, 2026 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: February 11, 2026 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Kentucky (KY, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, lender_reported)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO144930 | active | confirmed | 2026-02-11 | state_regulator | 2026-10-15 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: Top Flite Financial, Inc. (NMLS 4181), Johnson City, TN. Source: https://tfhomeloans.com/Loan-Officers/sphillips/, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/491090

## Contact

- View profile at Top Flite Financial, Inc.: https://tfhomeloans.com/Loan-Officers/sphillips/
- Office phone and Email on file: shown at https://lendb.ai/lo/stephanie-phillips-491090#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/491090
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://tfhomeloans.com/Loan-Officers/sphillips/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Stephanie Phillips (NMLS 491090), Top Flite Financial, Inc.. LenDb.ai, https://lendb.ai/lo/stephanie-phillips-491090, last verified 2026-10-15.

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