--- canonical_url: https://lendb.ai/lo/sarah-spradlin-470256 json_url: https://lendb.ai/lo/sarah-spradlin-470256.json nmls_id: 470256 last_verified: 2026-10-15 --- # Sarah Spradlin-Doerflinger Loan Originator at Envoy Mortgage, Roscoe, IL. NMLS ID 470256 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/470256)). **Summary:** Sarah Spradlin-Doerflinger (NMLS 470256) is Loan Originator at Envoy Mortgage, based in Roscoe, IL. Licensed in Florida, confirmed with the state regulator (license LO151502). Also lists Tennessee, Wisconsin, Iowa and Illinois on the lender page (not yet checked with the state regulator). Envoy Mortgage also offers Construction loan, Down payment assistance, DSCR loan, FHA loan and HELOC and 11 more (a lender program, not confirmed as their own focus). Earliest state license record: October 7, 2026 (Florida), per state regulator. Last verified 2026-10-15. ## At a glance - Earliest state license record: October 7, 2026 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Licensed in: Florida (FL, confirmed), Tennessee (TN, lender_reported), Wisconsin (WI, lender_reported), Iowa (IA, lender_reported), Illinois (IL, lender_reported) - Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot - 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) - None on file yet. ### Their lender offers (lender level: Envoy Mortgage's programs, not confirmed as this person's focus) - **Construction loan** (`construction`): verified 2026-10-09. Source: https://www.envoymortgage.com - **Down payment assistance** (`down-payment-assistance`): verified 2026-10-09. Source: https://www.envoymortgage.com - **DSCR loan** (`dscr`): verified 2026-10-09. Source: https://www.envoymortgage.com - **FHA loan** (`fha`): verified 2026-10-09. Source: https://www.envoymortgage.com - **HELOC** (`heloc`): verified 2026-10-09. Source: https://www.envoymortgage.com - **Real estate investor** (`investor`): verified 2026-10-09. Source: https://www.envoymortgage.com - **ITIN borrower** (`itin`): verified 2026-10-09. Source: https://www.envoymortgage.com - **Jumbo loan** (`jumbo`): verified 2026-10-09. Source: https://www.envoymortgage.com - **Low credit score** (`low-credit`): verified 2026-10-09. Source: https://www.envoymortgage.com - **Mixed-use property** (`mixed-use`): verified 2026-10-09. Source: https://www.envoymortgage.com - **2 to 4 unit property** (`multi-family-2-4`): verified 2026-10-09. Source: https://www.envoymortgage.com - **Non-QM loan** (`non-qm`): verified 2026-10-09. Source: https://www.envoymortgage.com - **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-09. Source: https://www.envoymortgage.com - **Self-employed** (`self-employed`): verified 2026-10-09. Source: https://www.envoymortgage.com - **USDA loan** (`usda`): verified 2026-10-09. Source: https://www.envoymortgage.com - **VA loan** (`va`): verified 2026-10-09. Source: https://www.envoymortgage.com ## About As a homeowner, Sarah understands the home buying process and cares about clients' financial goals. She emphasizes trustworthiness and local expertise throughout the homeownership journey. Source: LenDb summary of the lender page, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO151502 | active | confirmed | 2026-10-07 | state_regulator | 2026-10-15 | | TN | state_license | 470256 | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WI | state_license | 470256 | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IA | 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 | ## Employment history - ? to present: Envoy Mortgage (NMLS 6666), Roscoe, IL. Source: https://www.envoymortgage.com/sarah-spradlin/, verified 2026-10-09. - ? to 2026-10-10: Fairway Independent Mortgage Corporation (NMLS 2289), Loves Park, IL. Source: https://www.fairway.com/lo/sarah-spradlin-470256, verified 2026-10-09. - ? to 2026-10-09: Envoy Mortgage (NMLS 6666), Roscoe, IL. Source: https://www.envoymortgage.com/sarah-spradlin/, 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/470256 ## Contact - View profile at Envoy Mortgage: https://www.envoymortgage.com/sarah-spradlin/ - Email on file: shown at https://lendb.ai/lo/sarah-spradlin-470256#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/470256 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - lender_site: https://www.envoymortgage.com/sarah-spradlin/ - lender_site: https://www.fairway.com/lo/sarah-spradlin-470256 - lender_site (lender programs): https://www.envoymortgage.com - HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot Cite as: Sarah Spradlin-Doerflinger (NMLS 470256), Envoy Mortgage. LenDb.ai, https://lendb.ai/lo/sarah-spradlin-470256, last verified 2026-10-15. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._