---
canonical_url: https://lendb.ai/lo/meredith-turcotte-404506
json_url: https://lendb.ai/lo/meredith-turcotte-404506.json
nmls_id: 404506
last_verified: 2026-10-09
---

# Meredith Spence

Branch Manager at Embrace Home Loans, Boston, MA. NMLS ID 404506 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/404506)).

**Summary:** Meredith Spence (NMLS 404506) is Branch Manager at Embrace Home Loans, based in Boston, MA. Licensed in Florida, confirmed with the state regulator (license LO104630). Also lists California, Connecticut, Massachusetts, Maine, Michigan, New Hampshire, New York, Rhode Island and 2 more on the lender page (not yet checked with the state regulator). Licensed since 2022 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2022 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), California (CA, lender_reported), Connecticut (CT, lender_reported), Massachusetts (MA, lender_reported), Maine (ME, lender_reported), Michigan (MI, lender_reported), New Hampshire (NH, lender_reported), New York (NY, lender_reported), Rhode Island (RI, lender_reported), Virginia (VA, lender_reported), Vermont (VT, 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

Meredith has closed over $3 billion in residential mortgage loans and assisted over 7,500 customers. She is a perennial President's Club Member and 5-Star Professional award-winner, known for empowering clients with education and support throughout the mortgage process.

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

## Facts from the lender page and intro

- credential: The Mortgage Lady®. Source: https://www.embracehomeloans.com/location/massachusetts/boston/meredith-spence, verified 2026-10-09.
- credential: Perennial President's Club Member and 5-Star Professional award-winner. Source: https://www.embracehomeloans.com/location/massachusetts/boston/meredith-spence, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO104630 | active | confirmed | 2022-03-23 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| ME | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| RI | 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 |
| VT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Boston, MA. Source: https://www.embracehomeloans.com/location/massachusetts/boston/meredith-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/404506

## Contact

- linkedin_url: https://www.linkedin.com/in/meredith-spence-b845016/ (source: lender_site, verified 2026-10-09)
- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/massachusetts/boston/meredith-spence
- Office phone and Email on file: shown at https://lendb.ai/lo/meredith-turcotte-404506#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/404506
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.embracehomeloans.com/location/massachusetts/boston/meredith-spence

Cite as: Meredith Spence (NMLS 404506), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/meredith-turcotte-404506, last verified 2026-10-09.

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