---
canonical_url: https://lendb.ai/lo/stephen-mcfarlin-38922
json_url: https://lendb.ai/lo/stephen-mcfarlin-38922.json
nmls_id: 38922
last_verified: 2026-10-09
---

# Stephen McFarlin

Senior Mortgage Banker at Total Mortgage Services, Ridgefield, CT. NMLS ID 38922 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/38922)).

**Summary:** Stephen McFarlin (NMLS 38922) is Senior Mortgage Banker at Total Mortgage Services, based in Ridgefield, CT. Focus areas shown on the lender page: Self-employed. States 21 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 21 (source: https://www.totalmortgage.com/bankers/stephen-mcfarlin, verified 2026-10-09)
- Licensed in: no license list on file; check NMLS Consumer Access
- 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

- **Self-employed** (`self-employed`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.totalmortgage.com/bankers/stephen-mcfarlin

## About

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

## Facts from the lender page and intro

- years_experience: 21. Source: https://www.totalmortgage.com/bankers/stephen-mcfarlin, verified 2026-10-09.
- role: 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: https://www.totalmortgage.com/bankers/stephen-mcfarlin, verified 2026-10-09.
- credential: Closed over 2,600 loans. Source: https://www.totalmortgage.com/bankers/stephen-mcfarlin, verified 2026-10-09.
- community: Coaches girls soccer and basketball, active in church community. Source: https://www.totalmortgage.com/bankers/stephen-mcfarlin, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: Total Mortgage Services (NMLS 2764), Ridgefield, CT. Source: https://www.totalmortgage.com/bankers/stephen-mcfarlin, 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/38922

## Contact

- View profile at Total Mortgage Services: https://www.totalmortgage.com/bankers/stephen-mcfarlin
- Office phone and Email on file: shown at https://lendb.ai/lo/stephen-mcfarlin-38922#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/38922
- lender_site: https://www.totalmortgage.com/bankers/stephen-mcfarlin

Cite as: Stephen McFarlin (NMLS 38922), Total Mortgage Services. LenDb.ai, https://lendb.ai/lo/stephen-mcfarlin-38922, last verified 2026-10-09.

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