---
canonical_url: https://lendb.ai/lo/scott-spencer-607867
json_url: https://lendb.ai/lo/scott-spencer-607867.json
nmls_id: 607867
last_verified: 2026-10-09
---

# Scott Spencer

Loan Officer at Southern Trust Mortgage, Virginia Beach, VA. NMLS ID 607867 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/607867)).

**Summary:** Scott Spencer (NMLS 607867) is Loan Officer at Southern Trust Mortgage, based in Virginia Beach, VA. Lists North Carolina and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: North Carolina (NC, lender_reported), Virginia (VA, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.80, verified 2026-10-09. Source: https://www.southerntrust.com/scott-spencer/

## About

Scott brings thorough understanding of diverse loan programs to tailor personalized solutions for clients, with strong family values guiding his client-centered approach.

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

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Southern Trust Mortgage (NMLS 2921), Virginia Beach, VA. Source: https://www.southerntrust.com/scott-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/607867

## Contact

- linkedin_url: http://www.linkedin.com/in/scott-spencer-a4a6338 (source: lender_site, verified 2026-10-09)
- View profile at Southern Trust Mortgage: https://www.southerntrust.com/scott-spencer/
- Office phone and Email on file: shown at https://lendb.ai/lo/scott-spencer-607867#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/607867
- lender_site: https://www.southerntrust.com/scott-spencer/

Cite as: Scott Spencer (NMLS 607867), Southern Trust Mortgage. LenDb.ai, https://lendb.ai/lo/scott-spencer-607867, last verified 2026-10-09.

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