David Cramm
Loan Officer at Xpert Home Lending · Colorado
NMLS ID 565968 (opens in a new tab) · verify at NMLS Consumer Access
David Cramm (NMLS 565968) is Loan Officer at Xpert Home Lending, based in Colorado. Licensed in Colorado, confirmed with the state regulator (license 100054070). Focus areas shown on the lender page: Down payment assistance, FHA loan, Jumbo loan, Low credit score and Non-QM loan. Licensed since 2015 (per Colorado records).
Last verified . Sources: Xpert Home Lending (xperthomelending.com), Florida state regulator, Colorado state regulator and NMLS Consumer Access (license status, check live).
- Licensed since 2015 (per Colorado records)
- 1 state
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
- Down payment assistancelender page
- FHA loanlender page
- Jumbo loanlender page
- Low credit scorelender page
- Non-QM loanlender page
- VA loanlender page
Where we saw these: xperthomelending.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
✓ Confirmed with the state regulator: CO (opens in a new tab) (100054070, since 2015), verified 2026-10-09.
Earlier regulator records (not active): FL (inactive).
Contact
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Employment history
Xpert Home Lending NMLS 2179191
Current · CO · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
David Cramm is a seasoned mortgage professional with over 20 years of experience, working alongside his wife Stephanie as "That Mortgage Couple." They specialize in serving various borrower types and have earned a 5-star Google rating with over 100 reviews.
Our summary of the lender page. Verified 2026-10-09.
- Credentials
- 5-star Google rating with over 100 reviews
- Source (opens in a new tab), verified 2026-10-09
Sources
| Name and employer | lender site · xperthomelending.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · apps.colorado.gov (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · xperthomelending.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · xperthomelending.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · xperthomelending.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · xperthomelending.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: David Cramm (NMLS 565968), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/david-cramm-565968, last verified 2026-10-09.
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Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.