---
canonical_url: https://lendb.ai/lo/todd-gierhart-1509960
json_url: https://lendb.ai/lo/todd-gierhart-1509960.json
nmls_id: 1509960
last_verified: 2026-10-09
---

# Todd Gierhart

Private Mortgage Banker, Military Lending Specialist at Wells Fargo Home Mortgage, Naples, FL. NMLS ID 1509960 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1509960)).

**Summary:** Todd Gierhart (NMLS 1509960) is Private Mortgage Banker, Military Lending Specialist at Wells Fargo Home Mortgage, based in Naples, FL. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: VA loan. Licensed since 2024 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2024 (per Florida records). This is license history on file, not total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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

- **VA loan** (`va`): lender page, confidence 0.85, verified 2026-10-09. Source: https://homeloans.wellsfargo.com/mortgage/fl/naples/todd-gierhart

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO128981 | expired | confirmed | 2024-05-24 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Wells Fargo Home Mortgage (NMLS 399801), Naples, FL. Source: https://homeloans.wellsfargo.com/mortgage/fl/naples/todd-gierhart, 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/1509960

## Contact

- linkedin_url: https://www.linkedin.com/in/toddgierhart/ (source: lender_site, verified 2026-10-09)
- View profile at Wells Fargo Home Mortgage: https://homeloans.wellsfargo.com/mortgage/fl/naples/todd-gierhart
- Office phone and Email on file: shown at https://lendb.ai/lo/todd-gierhart-1509960#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1509960
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://homeloans.wellsfargo.com/mortgage/fl/naples/todd-gierhart

Cite as: Todd Gierhart (NMLS 1509960), Wells Fargo Home Mortgage. LenDb.ai, https://lendb.ai/lo/todd-gierhart-1509960, last verified 2026-10-09.

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