---
canonical_url: https://lendb.ai/lo/alfred-spencer-376123
json_url: https://lendb.ai/lo/alfred-spencer-376123.json
nmls_id: 376123
last_verified: 2026-10-19
---

# Alfred Spencer

Loan officer at E Mortgage Capital, Inc.. NMLS ID 376123 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/376123)).

Alfred Spencer (NMLS 376123) is a mortgage loan officer at E Mortgage Capital, Inc., licensed in Florida, Connecticut and Missouri.

**Summary:** Alfred Spencer (NMLS 376123) is a loan officer at E Mortgage Capital, Inc.. Licensed in 3 states confirmed with state regulators: Florida, Connecticut and Missouri. Earliest state license record: September 5, 2019 (Iowa), per state regulator. Last verified 2026-10-19.

## Quick answers

### Is Alfred licensed in Florida?

Yes. Florida regulator records list license LO131349 as active, first effective August 26, 2024 (verified 2026-10-15). LenDb has 2 other states on file for Alfred. Source: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip.

### What lender does Alfred work for?

E Mortgage Capital, Inc., company NMLS 1416824, per the lender's own site (verified 2026-10-15). Source: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut.

### How long has Alfred been licensed?

The earliest state license record LenDb holds for Alfred is from September 5, 2019 (Iowa regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://idob.iowa.gov/.

## At a glance

- Earliest state license record: September 5, 2019 (Iowa), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Also licensed as (state regulator records, same NMLS ID): Alfred A. Spencer (CT, FL, IA, MO, NY, as of 2026-10-19)
- Licensed in: Florida (FL, confirmed), Connecticut (CT, confirmed), Missouri (MO, confirmed)
- 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.)
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| FL | Florida regulator | state_license | LO131349 | active | confirmed | 2024-08-26 | state_regulator | 2026-10-15 |
| NY | New York regulator | state_license | n/a | expired | confirmed |  | state_regulator | 2026-10-14 |
| CT | Connecticut regulator | state_license | LO-376123 | active | confirmed |  | state_regulator | 2026-10-15 |
| MO | Missouri regulator | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-19 |
| IA | Iowa regulator | state_license | 35004 | expired | confirmed | 2019-09-05 | state_regulator | 2026-10-20 |

## Employment history

- ? to present: E Mortgage Capital, Inc. (NMLS 1416824). Source: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut, verified 2026-10-15.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/376123

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/376123
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- state_regulator: https://www.dfs.ny.gov/
- state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut
- state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search
- state_regulator: https://idob.iowa.gov/

Cite as: Alfred Spencer (NMLS 376123), E Mortgage Capital, Inc.. LenDb.ai, https://lendb.ai/lo/alfred-spencer-376123, last verified 2026-10-19.

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