---
canonical_url: https://lendb.ai/lo/thomas-fazio-268035
json_url: https://lendb.ai/lo/thomas-fazio-268035.json
nmls_id: 268035
last_verified: 2026-10-09
---

# Tom Fazio

Loan Advisor at American Pacific Mortgage, St. Augustine, FL. NMLS ID 268035 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/268035)).

**Summary:** Tom Fazio (NMLS 268035) is Loan Advisor at American Pacific Mortgage, based in St. Augustine, FL. Licensed in Florida, confirmed with the state regulator (license LO297). Also lists Georgia and Virginia on the lender page (not yet checked with the state regulator). Earliest state license record: November 23, 2010 (Florida), per state regulator. States 30 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: November 23, 2010 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 30 (source: https://www.apmortgage.com/tom-fazio, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Georgia (GA, lender_reported), Virginia (VA, 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


## About

Tom serves Florida, Georgia, North Carolina, South Carolina, and Virginia with 30 years of mortgage industry experience. He specializes in FHA, USDA, conventional, VA, construction-to-perm, and reverse mortgages.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.apmortgage.com/tom-fazio, verified 2026-10-09.
- service_area: Florida, Georgia, North Carolina, South Carolina, Virginia. Source: https://www.apmortgage.com/tom-fazio, verified 2026-10-09.
- education: Degrees in Business and Music from University of Miami and Stetson University. Source: https://www.apmortgage.com/tom-fazio, verified 2026-10-09.
- role: Opened first mortgage company after 5 years in industry; sold it after 11 years. Source: https://www.apmortgage.com/tom-fazio, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO297 | active | confirmed | 2010-11-23 | state_regulator | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: American Pacific Mortgage (NMLS 1850), St. Augustine, FL. Source: https://www.apmortgage.com/tom-fazio, 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/268035

## Contact

- View profile at American Pacific Mortgage: https://www.apmortgage.com/tom-fazio
- Email on file: shown at https://lendb.ai/lo/thomas-fazio-268035#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/268035
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.apmortgage.com/tom-fazio

Cite as: Tom Fazio (NMLS 268035), American Pacific Mortgage. LenDb.ai, https://lendb.ai/lo/thomas-fazio-268035, last verified 2026-10-09.

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