---
canonical_url: https://lendb.ai/lo/patrick-spencer-1596850
json_url: https://lendb.ai/lo/patrick-spencer-1596850.json
nmls_id: 1596850
last_verified: 2026-10-09
---

# Pat Spencer

Loan Officer at LeaderOne Financial, Oak Brook, IL. NMLS ID 1596850 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1596850)).

**Summary:** Pat Spencer (NMLS 1596850) is Loan Officer at LeaderOne Financial, based in Oak Brook, IL. Lists California, Illinois, Indiana, Michigan and Wisconsin on the lender page (not yet checked with the state regulator). Licensed since 2021 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Licensed in: California (CA, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Michigan (MI, lender_reported), Wisconsin (WI, 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

Chicago-area mortgage lender combining deep local market knowledge with technology. Serves Chicagoland from Sauganash to Southside suburbs with full suite of loan programs.

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

## Facts from the lender page and intro

- service_area: Chicagoland, including Sauganash, Southside, and suburbs. Source: https://www.leaderonefinancial.com/mlo/pat-spencer, verified 2026-10-09.
- other: Works closely with Chicago real estate agents, builders, and community partners. Source: https://www.leaderonefinancial.com/mlo/pat-spencer, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO91242 | expired | confirmed | 2021-07-14 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| IN | 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 |
| WI | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: LeaderOne Financial (NMLS 12007), Oak Brook, IL. Source: https://www.leaderonefinancial.com/mlo/pat-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/1596850

## Contact

- linkedin_url: https://www.linkedin.com/in/patspencermortgage/ (source: lender_site, verified 2026-10-09)
- View profile at LeaderOne Financial: https://www.leaderonefinancial.com/mlo/pat-spencer
- Office phone and Email on file: shown at https://lendb.ai/lo/patrick-spencer-1596850#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1596850
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.leaderonefinancial.com/mlo/pat-spencer

Cite as: Pat Spencer (NMLS 1596850), LeaderOne Financial. LenDb.ai, https://lendb.ai/lo/patrick-spencer-1596850, last verified 2026-10-09.

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