---
canonical_url: https://lendb.ai/lo/erik-spencer-187020
json_url: https://lendb.ai/lo/erik-spencer-187020.json
nmls_id: 187020
last_verified: 2026-10-09
---

# Erik Spencer

Loan Officer at Churchill Mortgage, Herndon, VA. NMLS ID 187020 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/187020)).

**Summary:** Erik Spencer (NMLS 187020) is Loan Officer at Churchill Mortgage, based in Herndon, VA. Licensed in Florida, confirmed with the state regulator (license LO22062). Also lists District of Columbia, Maryland, North Carolina and Virginia on the lender page (not yet checked with the state regulator). Licensed since 2013 (per Florida records). States 25 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since 2013 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 25 (source: https://www.churchillmortgage.com/loan-officers/erik-spencer, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), District of Columbia (DC, lender_reported), Maryland (MD, lender_reported), North Carolina (NC, lender_reported), Virginia (VA, 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


## About

Erik has over 25 years in mortgage and financial services, navigating real estate and economic cycles since the early 1990s. Graduate of University of Virginia (Economics, 1992) with additional experience in IT and international currency trading.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 25. Source: https://www.churchillmortgage.com/loan-officers/erik-spencer, verified 2026-10-09.
- education: University of Virginia, degree in Economics, 1992. Source: https://www.churchillmortgage.com/loan-officers/erik-spencer, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO22062 | active | confirmed | 2013-11-01 | state_regulator | 2026-10-09 |
| DC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Churchill Mortgage (NMLS 1591), Herndon, VA. Source: https://www.churchillmortgage.com/loan-officers/erik-spencer, 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/187020

## Contact

- View profile at Churchill Mortgage: https://www.churchillmortgage.com/loan-officers/erik-spencer
- Office phone and Email on file: shown at https://lendb.ai/lo/erik-spencer-187020#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/187020
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.churchillmortgage.com/loan-officers/erik-spencer

Cite as: Erik Spencer (NMLS 187020), Churchill Mortgage. LenDb.ai, https://lendb.ai/lo/erik-spencer-187020, last verified 2026-10-09.

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