---
canonical_url: https://lendb.ai/lo/spencer-mahlstedt-2089149
json_url: https://lendb.ai/lo/spencer-mahlstedt-2089149.json
nmls_id: 2089149
last_verified: 2026-10-09
---

# Spencer Mahlstedt

Mortgage Advisor at C2 Financial Corporation. NMLS ID 2089149 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2089149)).

**Summary:** Spencer Mahlstedt (NMLS 2089149) is Mortgage Advisor at C2 Financial Corporation. Lists California on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: FHA loan, Jumbo loan, USDA loan and VA loan. States 40 years of experience. 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.
- Years experience (stated by the LO): 40 (source: https://c2financial.com/find-a-loan-officer/smahlstedt/, verified 2026-10-09)
- Licensed in: California (CA, 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

- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://c2financial.com/find-a-loan-officer/smahlstedt/
- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://c2financial.com/find-a-loan-officer/smahlstedt/
- **USDA loan** (`usda`): lender page, confidence 0.70, verified 2026-10-09. Source: https://c2financial.com/find-a-loan-officer/smahlstedt/
- **VA loan** (`va`): lender page, confidence 0.21, verified 2026-10-09. Source: https://c2financial.com/find-a-loan-officer/smahlstedt/

## About

Spencer Mahlstedt is a service-driven mortgage advisor backed by a team with over 40 years combined experience. They emphasize open communication and personalized loan solutions through a network of 100+ wholesale lending partners.

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

## Facts from the lender page and intro

- years_experience: 40. Source: https://c2financial.com/find-a-loan-officer/smahlstedt/, verified 2026-10-09.
- service_area: California. Source: https://c2financial.com/find-a-loan-officer/smahlstedt/, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: C2 Financial Corporation (NMLS 135622). Source: https://c2financial.com/find-a-loan-officer/smahlstedt/, 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/2089149

## Contact

- View profile at C2 Financial Corporation: https://c2financial.com/find-a-loan-officer/smahlstedt/
- Office phone and Email on file: shown at https://lendb.ai/lo/spencer-mahlstedt-2089149#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2089149
- lender_site: https://c2financial.com/find-a-loan-officer/smahlstedt/

Cite as: Spencer Mahlstedt (NMLS 2089149), C2 Financial Corporation. LenDb.ai, https://lendb.ai/lo/spencer-mahlstedt-2089149, last verified 2026-10-09.

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