---
canonical_url: https://lendb.ai/lo/thomas-gaffney-182206
json_url: https://lendb.ai/lo/thomas-gaffney-182206.json
nmls_id: 182206
last_verified: 2026-10-09
---

# Tom Gaffney

Senior Loan Officer at First Heritage Mortgage. NMLS ID 182206 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/182206)).

**Summary:** Tom Gaffney (NMLS 182206) is Senior Loan Officer at First Heritage Mortgage. Licensed in Florida, confirmed with the state regulator (license LO60909). Also lists Maryland and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: New construction. Licensed since 2019 (per Florida records). States 25 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2019 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 25 (source: https://fhmtg.com/officers/tom-gaffney/, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Maryland (MD, 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

- **New construction** (`new-construction`): lender page, confidence 0.90, verified 2026-10-09. Source: https://fhmtg.com/officers/tom-gaffney/

## About

Tom has over 25 years of mortgage lending experience and specializes in new construction lending for the past 7 years. He works with first-time homebuyers and previously owned a successful mortgage company in the DC metro area with over 75 employees.

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

## Facts from the lender page and intro

- years_experience: 25. Source: https://fhmtg.com/officers/tom-gaffney/, verified 2026-10-09.
- years_experience: 7. Source: https://fhmtg.com/officers/tom-gaffney/, verified 2026-10-09.
- role: Owned a successful mortgage company in the DC metro area with over 75 employees. Source: https://fhmtg.com/officers/tom-gaffney/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO60909 | active | confirmed | 2019-04-29 | state_regulator | 2026-10-09 |
| MD | 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: First Heritage Mortgage (NMLS 86548). Source: https://fhmtg.com/officers/tom-gaffney/, 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/182206

## Contact

- View profile at First Heritage Mortgage: https://fhmtg.com/officers/tom-gaffney/
- Office phone on file: shown at https://lendb.ai/lo/thomas-gaffney-182206#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/182206
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://fhmtg.com/officers/tom-gaffney/

Cite as: Tom Gaffney (NMLS 182206), First Heritage Mortgage. LenDb.ai, https://lendb.ai/lo/thomas-gaffney-182206, last verified 2026-10-09.

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