---
canonical_url: https://lendb.ai/lo/stephen-gambardella-1997649
json_url: https://lendb.ai/lo/stephen-gambardella-1997649.json
nmls_id: 1997649
last_verified: 2026-10-09
---

# Stephen Gambardella

Mortgage Banker at Total Mortgage Services, Milford, CT. NMLS ID 1997649 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1997649)).

**Summary:** Stephen Gambardella (NMLS 1997649) is Mortgage Banker at Total Mortgage Services, based in Milford, CT. Lists Connecticut on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. States 15 years of experience. 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.
- Years experience (stated by the LO): 15 (source: https://www.totalmortgage.com/bankers/stephen-gambardella, verified 2026-10-09)
- Licensed in: Connecticut (CT, lender_reported)
- 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.totalmortgage.com/bankers/stephen-gambardella

## About

Stephen has 15 years in sales and joined Total Mortgage in 2020. He specializes in helping first-time home buyers and is available 24/7 for his borrowers.

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

## Facts from the lender page and intro

- years_experience: 15. Source: https://www.totalmortgage.com/bankers/stephen-gambardella, verified 2026-10-09.
- role: joined Total Mortgage in 2020. Source: https://www.totalmortgage.com/bankers/stephen-gambardella, verified 2026-10-09.
- community: Eagle Scout, involved in Boy Scouts for most of his life. Source: https://www.totalmortgage.com/bankers/stephen-gambardella, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| CT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Total Mortgage Services (NMLS 2764), Milford, CT. Source: https://www.totalmortgage.com/bankers/stephen-gambardella, 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/1997649

## Contact

- View profile at Total Mortgage Services: https://www.totalmortgage.com/bankers/stephen-gambardella
- Office phone and Email on file: shown at https://lendb.ai/lo/stephen-gambardella-1997649#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1997649
- lender_site: https://www.totalmortgage.com/bankers/stephen-gambardella

Cite as: Stephen Gambardella (NMLS 1997649), Total Mortgage Services. LenDb.ai, https://lendb.ai/lo/stephen-gambardella-1997649, last verified 2026-10-09.

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