---
canonical_url: https://lendb.ai/lo/david-spencer-1210340
json_url: https://lendb.ai/lo/david-spencer-1210340.json
nmls_id: 1210340
last_verified: 2026-10-15
---

# Dave Spencer

Branch Manager & Mortgage Loan Originator at Integrity Home Mortgage Corporation, Culpeper, VA. NMLS ID 1210340 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1210340)).

**Summary:** Dave Spencer (NMLS 1210340) is Branch Manager & Mortgage Loan Originator at Integrity Home Mortgage Corporation, based in Culpeper, VA. Licensed in Florida, confirmed with the state regulator (license LO149684). Also lists Maryland, Virginia and West Virginia on the lender page (not yet checked with the state regulator). Earliest state license record: July 21, 2026 (Florida), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: July 21, 2026 (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), Maryland (MD, lender_reported), Virginia (VA, lender_reported), West Virginia (WV, lender_reported)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

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

- None on file yet.

## Facts from the lender page and intro

- education: Graduate of Western Illinois University. Source: https://ihmcloans.com/dave-spencer/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO149684 | active | confirmed | 2026-07-21 | state_regulator | 2026-10-15 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| WV | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |

## Employment history

- ? to present: Integrity Home Mortgage Corporation (NMLS 208516), Culpeper, VA. Source: https://ihmcloans.com/dave-spencer/, 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/1210340

## Contact

- View profile at Integrity Home Mortgage Corporation: https://ihmcloans.com/dave-spencer/
- Office phone and Email on file: shown at https://lendb.ai/lo/david-spencer-1210340#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1210340
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://ihmcloans.com/dave-spencer/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Dave Spencer (NMLS 1210340), Integrity Home Mortgage Corporation. LenDb.ai, https://lendb.ai/lo/david-spencer-1210340, last verified 2026-10-15.

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