{
  "canonical_url": "https://lendb.ai/lo/stephen-mcfarlin-38922",
  "loan_officer": {
    "nmls_id": 38922,
    "slug": "stephen-mcfarlin-38922",
    "canonical_url": "https://lendb.ai/lo/stephen-mcfarlin-38922",
    "md_url": "https://lendb.ai/lo/stephen-mcfarlin-38922.md",
    "json_url": "https://lendb.ai/lo/stephen-mcfarlin-38922.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/38922",
    "full_name": {
      "value": "Stephen McFarlin",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/stephen-mcfarlin",
      "verified_at": "2026-10-09"
    },
    "first_name": "Stephen",
    "last_name": "McFarlin",
    "headshot_url": {
      "value": "https://www.totalmortgage.com/_next/image?url=https%3A%2F%2Fwww.totalmortgage.com%2Fstatic%2Fuploads%2Fheadshots%2FStephen_McFarlin_38922%2FStephen_McFarlin_38922_1764093848547_small.jpg&w=640&q=75",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/stephen-mcfarlin",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "Steve has 21 years of mortgage experience, starting as a top loan originator, becoming sales manager, and co-founding Phoenix Financial before joining Total Mortgage in 2014. He specializes in loans for self-employed borrowers and has closed over 2,600 loans.",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/stephen-mcfarlin",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Senior Mortgage Banker",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/stephen-mcfarlin",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/stephen-mcfarlin",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 21,
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/stephen-mcfarlin",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 2764,
      "lender_name": "Total Mortgage Services",
      "lender_slug": "total-mortgage-services-2764",
      "branch_city": "Ridgefield",
      "branch_state": "CT",
      "branch_zip": "06877",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.totalmortgage.com/bankers/stephen-mcfarlin",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/stephen-mcfarlin",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2764,
        "lender_name": "Total Mortgage Services",
        "lender_slug": "total-mortgage-services-2764",
        "branch_city": "Ridgefield",
        "branch_state": "CT",
        "branch_zip": "06877",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.totalmortgage.com/bankers/stephen-mcfarlin",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/stephen-mcfarlin",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.9,
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/stephen-mcfarlin",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "21",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/stephen-mcfarlin",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Started as loan originator in 1993, became top producing originator, sales manager in 2004, co-founder of Phoenix Financial in 2006, joined Total Mortgage in June 2014",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/stephen-mcfarlin",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "Closed over 2,600 loans",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/stephen-mcfarlin",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Coaches girls soccer and basketball, active in church community",
        "source": "lender_site",
        "source_url": "https://www.totalmortgage.com/bankers/stephen-mcfarlin",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 09:06:39.417846+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/stephen-mcfarlin-38922#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.totalmortgage.com/bankers/stephen-mcfarlin",
      "verified_at": "2026-10-09"
    },
    "earliest_license_record": null,
    "licensed_since": null,
    "federal_registration": null
  }
}