---
canonical_url: https://lendb.ai/lo/michael-spaulding-359483
json_url: https://lendb.ai/lo/michael-spaulding-359483.json
nmls_id: 359483
last_verified: 2026-10-16
---

# Michael Spaulding

Mortgage Banker at The Federal Savings Bank. NMLS ID 359483 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/359483)).

**Summary:** Michael Spaulding (NMLS 359483) is Mortgage Banker at The Federal Savings Bank. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: VA loan. Earliest state license record: November 5, 2021 (Florida), per state regulator. States 24 years of experience. Last verified 2026-10-16.

## At a glance

- Earliest state license record: November 5, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 24 (source: https://www.thefederalsavingsbank.com/bankers/michael-spaulding/, verified 2026-10-16)
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- **VA loan** (`va`): from their lender profile page, confidence 0.60, verified 2026-10-16. Source: https://www.thefederalsavingsbank.com/bankers/michael-spaulding/

## Facts from the lender page and intro

- years_experience: 24. Source: https://www.thefederalsavingsbank.com/bankers/michael-spaulding/, verified 2026-10-16.
- role: former Signal Support Systems Specialist, U.S. Army 4th Infantry Division. Source: https://www.thefederalsavingsbank.com/bankers/michael-spaulding/, verified 2026-10-16.
- other: 15 years building mortgage career in the Dallas market. Source: https://www.thefederalsavingsbank.com/bankers/michael-spaulding/, verified 2026-10-16.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO97097 | expired | confirmed | 2021-11-05 | state_regulator | 2026-10-15 |

## Employment history

- ? to present: The Federal Savings Bank (NMLS 411500). Source: https://www.thefederalsavingsbank.com/bankers/michael-spaulding/, verified 2026-10-16.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/359483

## Contact

- View profile at The Federal Savings Bank: https://www.thefederalsavingsbank.com/bankers/michael-spaulding/
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-spaulding-359483#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/359483
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.thefederalsavingsbank.com/bankers/michael-spaulding/

Cite as: Michael Spaulding (NMLS 359483), The Federal Savings Bank. LenDb.ai, https://lendb.ai/lo/michael-spaulding-359483, last verified 2026-10-16.

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