---
canonical_url: https://lendb.ai/lo/tom-staruk-459911
json_url: https://lendb.ai/lo/tom-staruk-459911.json
nmls_id: 459911
last_verified: 2026-10-09
---

# Tom Staruk

Private Mortgage Banker, Military Lending Specialist at Wells Fargo Home Mortgage, Frederick, MD. NMLS ID 459911 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/459911)).

**Summary:** Tom Staruk (NMLS 459911) is Private Mortgage Banker, Military Lending Specialist at Wells Fargo Home Mortgage, based in Frederick, MD. 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. 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.
- 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/md/columbia/tom-staruk

## Facts from the lender page and intro

- service_area: Frederick, MD and surrounding areas. Source: https://homeloans.wellsfargo.com/mortgage/md/columbia/tom-staruk, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: Wells Fargo Home Mortgage (NMLS 399801), Frederick, MD. Source: https://homeloans.wellsfargo.com/mortgage/md/columbia/tom-staruk, 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/459911

## Contact

- linkedin_url: https://www.linkedin.com/in/tom-staruk-9b554236/ (source: lender_site, verified 2026-10-09)
- View profile at Wells Fargo Home Mortgage: https://homeloans.wellsfargo.com/mortgage/md/columbia/tom-staruk
- Office phone and Email on file: shown at https://lendb.ai/lo/tom-staruk-459911#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/459911
- lender_site: https://homeloans.wellsfargo.com/mortgage/md/columbia/tom-staruk

Cite as: Tom Staruk (NMLS 459911), Wells Fargo Home Mortgage. LenDb.ai, https://lendb.ai/lo/tom-staruk-459911, last verified 2026-10-09.

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