--- canonical_url: https://lendb.ai/lo/kraig-spence-5675 json_url: https://lendb.ai/lo/kraig-spence-5675.json nmls_id: 5675 last_verified: 2026-10-09 --- # Kraig Spence Loan Officer at Churchill Mortgage, Columbia, MD. NMLS ID 5675 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/5675)). **Summary:** Kraig Spence (NMLS 5675) is Loan Officer at Churchill Mortgage, based in Columbia, MD. Licensed in 3 states confirmed with state regulators: Florida, Colorado and Pennsylvania. Also lists District of Columbia, Delaware, Georgia, Maryland, North Carolina, Nebraska, New Jersey, Ohio and 5 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Real estate investor. Licensed since 2007 (per Colorado records). Last verified 2026-10-09. ## At a glance - Licensed since 2007 (per Colorado records). This is license history on file, not total experience. - Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Pennsylvania (PA, confirmed), District of Columbia (DC, lender_reported), Delaware (DE, lender_reported), Georgia (GA, lender_reported), Maryland (MD, lender_reported), North Carolina (NC, lender_reported), Nebraska (NE, lender_reported), New Jersey (NJ, lender_reported), Ohio (OH, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, lender_reported), Washington (WA, lender_reported), West Virginia (WV, 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 - **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://www.churchillmortgage.com/loan-officers/kraig-spence ## About Kraig has 24 years of mortgage experience and is recognized as a top 1% originator nationally. He is also an experienced real estate investor, holding a bachelor's degree in organizational communications from University of Central Florida. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - credential: Top 1% originator nationally. Source: https://www.churchillmortgage.com/loan-officers/kraig-spence, verified 2026-10-09. - education: Bachelor's degree in organizational communications from University of Central Florida. Source: https://www.churchillmortgage.com/loan-officers/kraig-spence, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO4968 | active | confirmed | 2011-04-04 | state_regulator | 2026-10-09 | | CO | state_license | 100021986 | active | confirmed | 2007-12-15 | state_regulator | 2026-10-09 | | PA | state_license | 110611 | active | confirmed | | state_regulator | 2026-10-09 | | DC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | DE | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | GA | 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 | | NE | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NJ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | 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 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WV | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: Churchill Mortgage (NMLS 1591), Columbia, MD. Source: https://www.churchillmortgage.com/loan-officers/kraig-spence, 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/5675 ## Contact - View profile at Churchill Mortgage: https://www.churchillmortgage.com/loan-officers/kraig-spence - Office phone and Email on file: shown at https://lendb.ai/lo/kraig-spence-5675#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/5675 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=146096&contact=103515 - state_regulator: https://data.pa.gov/d/tyxc-jyug - lender_site: https://www.churchillmortgage.com/loan-officers/kraig-spence Cite as: Kraig Spence (NMLS 5675), Churchill Mortgage. LenDb.ai, https://lendb.ai/lo/kraig-spence-5675, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._