---
canonical_url: https://lendb.ai/lo/spencer-simmons-2815462
json_url: https://lendb.ai/lo/spencer-simmons-2815462.json
nmls_id: 2815462
last_verified: 2026-10-24
---

# Spencer Simmons

Loan officer at Federal First Lending LLC. NMLS ID 2815462 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2815462)).

Spencer Simmons (NMLS 2815462) is a mortgage loan officer at Federal First Lending LLC, licensed in California since 2026.

**Summary:** Spencer Simmons (NMLS 2815462) is a loan officer at Federal First Lending LLC. Licensed in California, confirmed with the state regulator (license CA-DFPI2815462). Earliest state license record: May 27, 2026 (California), per state regulator. Last verified 2026-10-24.

## Quick answers

### Is Spencer licensed in California?

Yes. California regulator records list license CA-DFPI2815462 as active, first effective May 27, 2026 (verified 2026-10-24). Source: https://dfpi.ca.gov/.

### What lender does Spencer work for?

Federal First Lending LLC, company NMLS 2381991, per the lender's own site (verified 2026-10-23). Source: https://dfpi.ca.gov/.

### How long has Spencer been licensed?

The earliest state license record LenDb holds for Spencer is from May 27, 2026 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Source: https://dfpi.ca.gov/.

## At a glance

- Earliest state license record: May 27, 2026 (California), 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 A. Simmons (CA, as of 2026-10-22)
- Licensed in: California (CA DFPI, confirmed)
- 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.

## Licenses

| State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|---|
| CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2815462 | active | confirmed | 2026-05-27 | state_regulator | 2026-10-24 |

## Employment history

- ? to present: Federal First Lending LLC (NMLS 2381991). Source: https://dfpi.ca.gov/, verified 2026-10-23.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2815462

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2815462
- state_regulator: https://dfpi.ca.gov/

Cite as: Spencer Simmons (NMLS 2815462), Federal First Lending LLC. LenDb.ai, https://lendb.ai/lo/spencer-simmons-2815462, last verified 2026-10-24.

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