--- canonical_url: https://lendb.ai/lo/spencer-wartman-2109932 json_url: https://lendb.ai/lo/spencer-wartman-2109932.json nmls_id: 2109932 last_verified: 2026-10-28 --- # Spencer Wartman Mortgage Loan Originator at Trident Home Loans, Pensacola, FL. NMLS ID 2109932 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2109932)). 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. **Summary:** Spencer Wartman (NMLS 2109932) is Mortgage Loan Originator at Trident Home Loans, based in Pensacola, FL. Licensed in 8 states confirmed with state regulators: Florida, Pennsylvania, Texas, Colorado, Missouri, California, Illinois and Massachusetts. Also lists Alaska, Alabama, Arizona, Georgia, Indiana, Kansas, Kentucky, Minnesota and 6 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: VA loan and Refinance. Trident Home Loans also offers Condo, Construction loan, FHA loan, Real estate investor and Jumbo loan and 4 more (a lender program, not confirmed as their own focus). Earliest state license record: February 18, 2022 (Florida), per state regulator. Last verified 2026-10-28. ## 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: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ### Does Spencer do VA loans? Spencer's profile lists VA loan as a focus (from their lender profile page). It also lists refinance. Source: https://tridenthomeloans.com/spencer-wartman/. ### 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: https://tridenthomeloans.com/spencer-wartman/. ### 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: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip. ## At a glance - Earliest state license record: February 18, 2022 (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 G. Wartman (CA, CO, FL, IA, MA, MO, PA, TX, as of 2026-10-26) - Licensed in: Florida (FL, confirmed), Pennsylvania (PA, confirmed), Texas (TX, confirmed), Colorado (CO, confirmed), Missouri (MO, confirmed), Alaska (AK, lender_reported), Alabama (AL, lender_reported), Arizona (AZ, lender_reported), California (CA DFPI, confirmed), Georgia (GA, lender_reported), Illinois (IL, confirmed), Indiana (IN, lender_reported), Kansas (KS, lender_reported), Kentucky (KY, lender_reported), Massachusetts (MA, confirmed), Minnesota (MN, lender_reported), North Carolina (NC, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, lender_reported), Washington (WA, 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) - **VA loan** (`va`): from their lender profile page, confidence 0.90, verified 2026-10-26. Source: https://tridenthomeloans.com/spencer-wartman/ - **Refinance** (`refinance`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://tridenthomeloans.com/spencer-wartman/ ### Their lender offers (lender level: Trident Home Loans's programs, not confirmed as this person's focus) - **Condo** (`condo`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Construction loan** (`construction`): verified 2026-10-15. Source: https://tridenthomeloans.com - **FHA loan** (`fha`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Real estate investor** (`investor`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Jumbo loan** (`jumbo`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Low credit score** (`low-credit`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Renovation loan (203k / HomeStyle)** (`renovation`): verified 2026-10-15. Source: https://tridenthomeloans.com - **USDA loan** (`usda`): verified 2026-10-15. Source: https://tridenthomeloans.com - **Vacation home** (`vacation-home`): verified 2026-10-15. Source: https://tridenthomeloans.com ## 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. Source: LenDb summary of the lender page, verified 2026-10-15. ## Facts from the lender page and intro - other: Has specialized in VA loan help since 2021. Source: https://tridenthomeloans.com/spencer-wartman/, verified 2026-10-15. - education: 2006 graduate of the United States Air Force Academy. Source: https://tridenthomeloans.com/spencer-wartman/, verified 2026-10-15. - credential: Four Air Medals. Source: https://tridenthomeloans.com/spencer-wartman/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | FL | Florida regulator | state_license | LO102668 | active | confirmed | 2022-02-18 | state_regulator | 2026-10-15 | | PA | Pennsylvania regulator | state_license | 121818 | active | confirmed | | state_regulator | 2026-10-16 | | TX | Texas regulator | state_license | n/a | active | confirmed | 2026-07-08 | state_regulator | 2026-10-13 | | CO | Colorado regulator | state_license | 100530949 | active | confirmed | 2022-02-25 | state_regulator | 2026-10-16 | | MO | Missouri regulator | state_license | n/a | active | confirmed | | state_regulator | 2026-10-19 | | IA | Iowa regulator | state_license | 50766 | expired | confirmed | 2023-08-23 | state_regulator | 2026-10-20 | | AK | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | AL | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | AZ | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI2109932 | active | confirmed | 2022-06-03 | state_regulator | 2026-10-24 | | GA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | IL | Illinois regulator | state_license | 31.0085734 | active | confirmed | 2024-06-26 | state_regulator | 2026-10-28 | | IN | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | KS | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | KY | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | MA | Massachusetts regulator | state_license | MLO2109932 | active | confirmed | | state_regulator | 2026-10-26 | | MN | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | NC | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | OH | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | OK | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | TN | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | VA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | | WA | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Trident Home Loans (NMLS 65716), Pensacola, FL. Source: https://tridenthomeloans.com/spencer-wartman/, 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/2109932 ## Contact - View profile at Trident Home Loans: https://tridenthomeloans.com/spencer-wartman/ - Office phone and Email on file: shown at https://lendb.ai/lo/spencer-wartman-2109932#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/2109932 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip - state_regulator: https://data.pa.gov/d/tyxc-jyug - state_regulator: https://www.sml.texas.gov/ - state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=294220&contact=520189 - state_regulator: https://finance.mo.gov/banks-0/bank-licensee-search - state_regulator: https://idob.iowa.gov/ - lender_site: https://tridenthomeloans.com/spencer-wartman/ - state_regulator: https://dfpi.ca.gov/ - state_regulator: https://idfpr.illinois.gov/banks/resfin.html - state_regulator: https://www.mass.gov/lists/download-a-list-of-approved-licensees - lender_site (lender programs): https://tridenthomeloans.com Cite as: Spencer Wartman (NMLS 2109932), Trident Home Loans. LenDb.ai, https://lendb.ai/lo/spencer-wartman-2109932, last verified 2026-10-28. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._