---
canonical_url: https://lendb.ai/lo/gary-spangler-1389685
json_url: https://lendb.ai/lo/gary-spangler-1389685.json
nmls_id: 1389685
last_verified: 2026-10-09
---

# Gary Spangler

Senior Loan Officer at CrossCountry Mortgage, Lakeland, FL. NMLS ID 1389685 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1389685)).

**Summary:** Gary Spangler (NMLS 1389685) is Senior Loan Officer at CrossCountry Mortgage, based in Lakeland, FL. Licensed in Florida, confirmed with the state regulator (license LO31148). Also lists Georgia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, Real estate investor and First-time buyer. Earliest state license record: August 13, 2015 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: August 13, 2015 (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), Georgia (GA, 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/lakeland-fl-4596/gary-spangler/
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://crosscountrymortgage.com/lakeland-fl-4596/gary-spangler/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://crosscountrymortgage.com/lakeland-fl-4596/gary-spangler/

## About

Gary entered the mortgage industry in 2015 after careers in restaurant management and financial services. He specializes in first-home, subsequent home, and investment property financing.

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

## Facts from the lender page and intro

- years_experience: 2015. Source: https://crosscountrymortgage.com/lakeland-fl-4596/gary-spangler/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO31148 | active | confirmed | 2015-08-13 | state_regulator | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: CrossCountry Mortgage (NMLS 3029), Lakeland, FL. Source: https://crosscountrymortgage.com/lakeland-fl-4596/gary-spangler/, 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/1389685

## Contact

- View profile at CrossCountry Mortgage: https://crosscountrymortgage.com/lakeland-fl-4596/gary-spangler/
- Office phone and Email on file: shown at https://lendb.ai/lo/gary-spangler-1389685#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1389685
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://crosscountrymortgage.com/lakeland-fl-4596/gary-spangler/

Cite as: Gary Spangler (NMLS 1389685), CrossCountry Mortgage. LenDb.ai, https://lendb.ai/lo/gary-spangler-1389685, last verified 2026-10-09.

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