---
canonical_url: https://lendb.ai/lo/melanie-speer-1398654
json_url: https://lendb.ai/lo/melanie-speer-1398654.json
nmls_id: 1398654
last_verified: 2026-10-09
---

# Melanie Speer

Mortgage Loan Officer at Loan Factory. NMLS ID 1398654 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1398654)).

**Summary:** Melanie Speer (NMLS 1398654) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO132700). Also lists Texas on the lender page (not yet checked with the state regulator). Licensed since 2024 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2024 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Texas (TX, 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 | LO132700 | active | confirmed | 2024-10-23 | state_regulator | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/melanie-speer-1398654, 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/1398654

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/melanie-speer-1398654

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1398654
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/melanie-speer-1398654

Cite as: Melanie Speer (NMLS 1398654), Loan Factory. LenDb.ai, https://lendb.ai/lo/melanie-speer-1398654, last verified 2026-10-09.

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