---
canonical_url: https://lendb.ai/lo/vernon-gainer-208419
json_url: https://lendb.ai/lo/vernon-gainer-208419.json
nmls_id: 208419
last_verified: 2026-10-10
---

# Tommy Gainer

Regional Vice President of Retail Sales at AnnieMac Home Mortgage, Apollo Beach, FL. NMLS ID 208419 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/208419)).

**Summary:** Tommy Gainer (NMLS 208419) is Regional Vice President of Retail Sales at AnnieMac Home Mortgage, based in Apollo Beach, FL. Licensed in Florida, confirmed with the state regulator (license LO23509). Also lists Delaware, Maryland, North Carolina, Pennsylvania and Texas on the lender page (not yet checked with the state regulator). Earliest state license record: February 17, 2014 (Florida), per state regulator. Last verified 2026-10-10.

## At a glance

- Earliest state license record: February 17, 2014 (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), Delaware (DE, lender_reported), Maryland (MD, lender_reported), North Carolina (NC, lender_reported), Pennsylvania (PA, lender_reported), Texas (TX, 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


## Facts from the lender page and intro

- service_area: FL, DE, MD, NC, PA, TX. Source: https://annie-mac.com/lo/tommygainer/, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO23509 | active | confirmed | 2014-02-17 | state_regulator | 2026-10-09 |
| DE | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| PA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: AnnieMac Home Mortgage (NMLS 338923), Apollo Beach, FL. Source: https://annie-mac.com/lo/tommygainer/, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/208419

## Contact

- View profile at AnnieMac Home Mortgage: https://annie-mac.com/lo/tommygainer/
- Office phone and Email on file: shown at https://lendb.ai/lo/vernon-gainer-208419#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/208419
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://annie-mac.com/lo/tommygainer/

Cite as: Tommy Gainer (NMLS 208419), AnnieMac Home Mortgage. LenDb.ai, https://lendb.ai/lo/vernon-gainer-208419, last verified 2026-10-10.

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