Spencer Wartman
Mortgage Loan Originator at Trident Home Loans · Pensacola, FL
NMLS ID 2109932 (opens in a new tab) · verify at NMLS Consumer Access
Spencer Wartman (NMLS 2109932) is a Mortgage Loan Originator at Trident Home Loans in Pensacola, Florida, licensed in Florida since 2022 and in Pennsylvania, Texas, Colorado and 4 more states. Spencer's own profile lists VA loan and refinance as a focus.
Last verified . Sources: Trident Home Loans (tridenthomeloans.com), Florida state regulator, Pennsylvania state regulator, Texas state regulator, Colorado state regulator, Missouri state regulator, Iowa state regulator, California state regulator, Illinois state regulator, Massachusetts state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: February 18, 2022 (Florida), per state regulator
- 22 states
- Unclaimed profile
- Disciplinary history not yet checked
Quick answers
- Is Spencer licensed in Florida?
- Yes. Florida regulator records list license LO102668 as active, first effective February 18, 2022 (verified 2026-10-15). LenDb has 21 other states on file for Spencer.
- Source: Florida state regulator (opens in a new tab)
- Does Spencer do VA loans?
- Spencer's profile lists VA loan as a focus (from their lender profile page). It also lists refinance.
- Source: lender page (opens in a new tab)
- What lender does Spencer work for?
- Trident Home Loans, company NMLS 65716, from the Pensacola, FL office, per the lender's own site (verified 2026-10-15).
- Source: lender site (opens in a new tab)
- How long has Spencer been licensed?
- The earliest state license record LenDb holds for Spencer is from February 18, 2022 (Florida regulator). That is a record date from the rosters we hold, not proof of continuous licensure.
- Source: Florida state regulator (opens in a new tab)
Specialties
Focus
Where we saw these: tridenthomeloans.com (opens in a new tab)
Their lender offers
Condo, Construction loan, FHA loan, Real estate investor, Jumbo loan, Low credit score, Renovation loan (203k / HomeStyle), USDA loan and Vacation home. Programs Trident Home Loans offers (verified 2026-10-15). Lender-level: not confirmed as Spencer's own focus, so ask.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
Florida, Pennsylvania, Texas, Colorado, Missouri, Alaska, Alabama, Arizona, California, Georgia, Illinois, Indiana, Kansas, Kentucky, Massachusetts, Minnesota, North Carolina, Ohio, Oklahoma, Tennessee, Virginia, Washington
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO102668, first effective 2022-02-18), PA (opens in a new tab) (121818), TX (opens in a new tab), CO (opens in a new tab) (100530949, first effective 2022-02-25), MO (opens in a new tab), CA DFPI (opens in a new tab) (CA-DFPI2109932, first effective 2022-06-03), IL (opens in a new tab) (31.0085734, first effective 2024-06-26), MA (opens in a new tab) (MLO2109932), verified 2026-10-15. Source: State of Missouri (see disclaimer).
Lender-reported: AK, AL, AZ, GA, IN, KS, KY, MN, NC, OH, OK, TN, VA, WA are listed on the lender page, not yet checked with the state regulator.
Regulator records not active: IA (expired).
Contact
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Employment history
Trident Home Loans NMLS 65716
Current · Pensacola, FL · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Spencer has focused on helping veterans use VA loan benefits since 2021 and draws on 16 years of U.S. Air Force and Missouri Air National Guard service.
Our summary of the lender page. Verified 2026-10-15.
- Education
- 2006 graduate of the United States Air Force Academy
- Source (opens in a new tab), verified 2026-10-15
Sources
| Name and employer | state regulator · tridenthomeloans.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · mass.gov (opens in a new tab) | verified 2026-10-26 |
| Licensed states | lender site · tridenthomeloans.com (opens in a new tab) | verified 2026-10-15 |
| Specialties | lender site · tridenthomeloans.com (opens in a new tab) | verified 2026-10-26 |
| Lender programs | lender site · tridenthomeloans.com (opens in a new tab) | verified 2026-10-15 |
| Summary | state regulator · tridenthomeloans.com (opens in a new tab) | verified 2026-10-15 |
| Contact | lender site · tridenthomeloans.com (opens in a new tab) | verified 2026-10-15 |
| Photo | state regulator · tridenthomeloans.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Spencer Wartman (NMLS 2109932), Trident Home Loans. LenDb.ai, https://lendb.ai/lo/spencer-wartman-2109932, last verified 2026-10-28.
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