---
canonical_url: https://lendb.ai/lo/david-spalding-372008
json_url: https://lendb.ai/lo/david-spalding-372008.json
nmls_id: 372008
last_verified: 2026-10-09
---

# David Spalding

Loan Officer at Xpert Home Lending. NMLS ID 372008 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/372008)).

**Summary:** David Spalding (NMLS 372008) is Loan Officer at Xpert Home Lending. Lists California on the lender page (not yet checked with the state regulator). Licensed since 2011 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2011 (per Florida records). This is license history on file, not total experience.
- Licensed in: California (CA, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO10787 | expired | confirmed | 2011-10-05 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Xpert Home Lending (NMLS 2179191). Source: https://xperthomelending.com/loan-directory/david-spalding, 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/372008

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/david-spalding
- Office phone and Email on file: shown at https://lendb.ai/lo/david-spalding-372008#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/372008
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://xperthomelending.com/loan-directory/david-spalding

Cite as: David Spalding (NMLS 372008), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/david-spalding-372008, last verified 2026-10-09.

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