Sandra Spencer
Mortgage Loan Originator at U.S. Bank · Melbourne, FL
NMLS ID 859406 (opens in a new tab) · verify at NMLS Consumer Access
Sandra Spencer (NMLS 859406) is Mortgage Loan Originator at U.S. Bank, based in Melbourne, FL. Licensed in Florida, confirmed with the state regulator (license LO42224). 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: New construction. Licensed since 2017 (per Florida records).
Last verified . Sources: U.S. Bank (mortgage.usbank.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2017 (per Florida records)
- Likely federally registered
- 1 state
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Where we saw these: mortgage.usbank.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO42224, since 2017), verified 2026-10-09.
Likely federally registered: works at a bank. Federally registered MLOs aren't state-licensed; verify at NMLS (NMLS Consumer Access (opens in a new tab)).
Contact
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Employment history
U.S. Bank NMLS 402761
Current · Melbourne, FL · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Sources
| Name and employer | lender site · mortgage.usbank.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · mortgage.usbank.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · mortgage.usbank.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Sandra Spencer (NMLS 859406), U.S. Bank. LenDb.ai, https://lendb.ai/lo/sandra-spencer-859406, last verified 2026-10-09.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.