---
canonical_url: https://lendb.ai/lo/joseph-spell-1482413
json_url: https://lendb.ai/lo/joseph-spell-1482413.json
nmls_id: 1482413
last_verified: 2026-10-09
---

# Joe Spell

Retail Producing Area Manager Rec at Envoy Mortgage, Charlotte, NC. NMLS ID 1482413 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1482413)).

**Summary:** Joe Spell (NMLS 1482413) is Retail Producing Area Manager Rec at Envoy Mortgage, based in Charlotte, NC. Licensed in Florida, confirmed with the state regulator (license LO143688). Also lists Georgia and North Carolina on the lender page (not yet checked with the state regulator). Licensed since 2025 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2025 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Georgia (GA, lender_reported), North Carolina (NC, 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 | LO143688 | active | confirmed | 2025-12-22 | state_regulator | 2026-10-09 |
| GA | 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 |

## Employment history

- ? to present: Envoy Mortgage (NMLS 6666), Charlotte, NC. Source: https://www.envoymortgage.com/joe-spell/, 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/1482413

## Contact

- linkedin_url: https://www.linkedin.com/in/joespellmutualmortgage (source: lender_site, verified 2026-10-09)
- View profile at Envoy Mortgage: https://www.envoymortgage.com/joe-spell/
- Email on file: shown at https://lendb.ai/lo/joseph-spell-1482413#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1482413
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.envoymortgage.com/joe-spell/

Cite as: Joe Spell (NMLS 1482413), Envoy Mortgage. LenDb.ai, https://lendb.ai/lo/joseph-spell-1482413, last verified 2026-10-09.

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