--- canonical_url: https://lendb.ai/lo/spencer-chapman-1861630 json_url: https://lendb.ai/lo/spencer-chapman-1861630.json nmls_id: 1861630 last_verified: 2026-10-26 --- # Spencer Chapman Loan Officer at Blue Water Mortgage, LLC. NMLS ID 1861630 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1861630)). Spencer Chapman (NMLS 1861630) is a Loan Officer at Blue Water Mortgage, LLC, licensed in Florida since 2023 and in Massachusetts. **Summary:** Spencer Chapman (NMLS 1861630) is Loan Officer at Blue Water Mortgage, LLC. Licensed in 2 states confirmed with state regulators: Florida and Massachusetts. Also lists Maine, New Hampshire and Rhode Island on the lender page (not yet checked with the state regulator). Earliest state license record: May 12, 2023 (Florida), per state regulator. Last verified 2026-10-26. ## Quick answers ### Is Spencer licensed in Florida? Yes. Florida regulator records list license LO119854 as active, first effective May 12, 2023 (verified 2026-10-15). LenDb has 4 other states on file for Spencer. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ### What lender does Spencer work for? Blue Water Mortgage, LLC, company NMLS 1291, per the lender's own site (verified 2026-10-15). Source: https://bluewatermtg.com/our-team/spencer-chapman/. ### How long has Spencer been licensed? The earliest state license record LenDb holds for Spencer is from May 12, 2023 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip. ## At a glance - Earliest state license record: May 12, 2023 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Also licensed as (state regulator records, same NMLS ID): Spencer T. Chapman (FL, MA, as of 2026-10-26) - Licensed in: Florida (FL, confirmed), Massachusetts (MA, confirmed), Maine (ME, lender_reported), New Hampshire (NH, lender_reported), Rhode Island (RI, 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - None on file yet. ## Facts from the lender page and intro - education: Keene State College. Source: https://bluewatermtg.com/our-team/spencer-chapman/, verified 2026-10-15. - other: Last job: Premier Mortgage Lending. Source: https://bluewatermtg.com/our-team/spencer-chapman/, verified 2026-10-15. - community: Collaborates with the NH Jump$tart Coalition to teach younger kids about financial literacy. Source: https://bluewatermtg.com/our-team/spencer-chapman/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO119854 | active | confirmed | 2023-05-12 | state_regulator | 2026-10-15 | | MA | Massachusetts regulator | state_license | MLO1861630 | active | confirmed | | state_regulator | 2026-10-26 | | ME | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | NH | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | RI | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Blue Water Mortgage, LLC (NMLS 1291). Source: https://bluewatermtg.com/our-team/spencer-chapman/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1861630 ## Contact - linkedin_url: https://www.linkedin.com/in/spencer-chapman-bb5b451a0/ (source: lender_site, verified 2026-10-15) - View profile at Blue Water Mortgage, LLC: https://bluewatermtg.com/our-team/spencer-chapman/ - Office phone and Email on file: shown at https://lendb.ai/lo/spencer-chapman-1861630#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1861630 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees - lender_site: https://bluewatermtg.com/our-team/spencer-chapman/ Cite as: Spencer Chapman (NMLS 1861630), Blue Water Mortgage, LLC. LenDb.ai, https://lendb.ai/lo/spencer-chapman-1861630, last verified 2026-10-26. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._