---
canonical_url: https://lendb.ai/lo/sandra-spencer-859406
json_url: https://lendb.ai/lo/sandra-spencer-859406.json
nmls_id: 859406
last_verified: 2026-10-09
---

# Sandra Spencer

Mortgage Loan Originator at U.S. Bank, Melbourne, FL. NMLS ID 859406 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/859406)).

**Summary:** 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 2026-10-09.

## At a glance

- Licensed since 2017 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed)
- 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

- **New construction** (`new-construction`): lender page, confidence 0.85, verified 2026-10-09. Source: https://mortgage.usbank.com/fl/melbourne/sandra-spencer-859406

## Facts from the lender page and intro

- credential: Certified builder mortgage loan officer. Source: https://mortgage.usbank.com/fl/melbourne/sandra-spencer-859406, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO42224 | active | confirmed | 2017-04-11 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: U.S. Bank (NMLS 402761), Melbourne, FL. Source: https://mortgage.usbank.com/fl/melbourne/sandra-spencer-859406, 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/859406

## Contact

- View profile at U.S. Bank: https://mortgage.usbank.com/fl/melbourne/sandra-spencer-859406
- Office phone and Email on file: shown at https://lendb.ai/lo/sandra-spencer-859406#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/859406
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://mortgage.usbank.com/fl/melbourne/sandra-spencer-859406

Cite as: Sandra Spencer (NMLS 859406), U.S. Bank. LenDb.ai, https://lendb.ai/lo/sandra-spencer-859406, last verified 2026-10-09.

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