---
canonical_url: https://lendb.ai/lo/thomas-bepko-202157
json_url: https://lendb.ai/lo/thomas-bepko-202157.json
nmls_id: 202157
last_verified: 2026-10-09
---

# Thomas J. Bepko III

Executive Vice President of Sales at Total Mortgage Services, Fairfield, CT. NMLS ID 202157 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/202157)).

**Summary:** Thomas J. Bepko III (NMLS 202157) is Executive Vice President of Sales at Total Mortgage Services, based in Fairfield, CT. Licensed in Florida, confirmed with the state regulator (license LO19906). Earliest state license record: May 22, 2013 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: May 22, 2013 (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)
- 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


## About

Thomas Bepko began his mortgage career in 2003 after Army service. As EVP of Sales, he originates loans and mentors loan officers while serving first-time buyers, investors, self-employed borrowers, and clients seeking creative lending strategies.

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

## Facts from the lender page and intro

- years_experience: since 2003. Source: https://www.totalmortgage.com/bankers/thomas-bepko, verified 2026-10-09.
- role: co-founder/first retail branch. Source: https://www.totalmortgage.com/bankers/thomas-bepko, verified 2026-10-09.
- credential: helped develop loan officers to $100+ million in annual production. Source: https://www.totalmortgage.com/bankers/thomas-bepko, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO19906 | active | confirmed | 2013-05-22 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Total Mortgage Services (NMLS 2764), Fairfield, CT. Source: https://www.totalmortgage.com/bankers/thomas-bepko, 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/202157

## Contact

- View profile at Total Mortgage Services: https://www.totalmortgage.com/bankers/thomas-bepko
- Email on file: shown at https://lendb.ai/lo/thomas-bepko-202157#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/202157
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.totalmortgage.com/bankers/thomas-bepko

Cite as: Thomas J. Bepko III (NMLS 202157), Total Mortgage Services. LenDb.ai, https://lendb.ai/lo/thomas-bepko-202157, last verified 2026-10-09.

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