---
canonical_url: https://lendb.ai/lo/michael-lyle-spencer-ii-459621
json_url: https://lendb.ai/lo/michael-lyle-spencer-ii-459621.json
nmls_id: 459621
last_verified: 2026-10-09
---

# Michael Lyle Spencer II

Community Mortgage Consultant at Wells Fargo Home Mortgage, Fallbrook, CA. NMLS ID 459621 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/459621)).

**Summary:** Michael Lyle Spencer II (NMLS 459621) is Community Mortgage Consultant at Wells Fargo Home Mortgage, based in Fallbrook, CA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- 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


## Facts from the lender page and intro

- service_area: Fallbrook, CA and surrounding areas. Source: https://homeloans.wellsfargo.com/mortgage/ca/fallbrook/michael-l-spencer, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: Wells Fargo Home Mortgage (NMLS 399801), Fallbrook, CA. Source: https://homeloans.wellsfargo.com/mortgage/ca/fallbrook/michael-l-spencer, 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/459621

## Contact

- linkedin_url: https://www.linkedin.com/in/michael-spencer-63492914 (source: lender_site, verified 2026-10-09)
- View profile at Wells Fargo Home Mortgage: https://homeloans.wellsfargo.com/mortgage/ca/fallbrook/michael-l-spencer
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-lyle-spencer-ii-459621#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/459621
- lender_site: https://homeloans.wellsfargo.com/mortgage/ca/fallbrook/michael-l-spencer

Cite as: Michael Lyle Spencer II (NMLS 459621), Wells Fargo Home Mortgage. LenDb.ai, https://lendb.ai/lo/michael-lyle-spencer-ii-459621, last verified 2026-10-09.

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