{
  "canonical_url": "https://lendb.ai/lo/david-cramm-565968",
  "loan_officer": {
    "nmls_id": 565968,
    "slug": "david-cramm-565968",
    "canonical_url": "https://lendb.ai/lo/david-cramm-565968",
    "md_url": "https://lendb.ai/lo/david-cramm-565968.md",
    "json_url": "https://lendb.ai/lo/david-cramm-565968.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/565968",
    "full_name": {
      "value": "David Cramm",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/david-cramm",
      "verified_at": "2026-10-09"
    },
    "first_name": "David",
    "last_name": "Cramm",
    "headshot_url": {
      "value": "https://xperthomelending.com/hs-fs/hubfs/Headshots/Processed/David-Cramm.webp?width=600&name=David-Cramm.webp",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/david-cramm",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "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.",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/david-cramm",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/david-cramm",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/david-cramm",
      "verified_at": "2026-10-09"
    },
    "years_licensed": 11,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 95,
    "current_employment": {
      "lender_nmls_id": 2179191,
      "lender_name": "Xpert Home Lending",
      "lender_slug": "xpert-home-lending-2179191",
      "branch_city": null,
      "branch_state": "CO",
      "branch_zip": null,
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://xperthomelending.com/loan-directory/david-cramm",
      "lender_type": "broker",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/david-cramm",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 2179191,
        "lender_name": "Xpert Home Lending",
        "lender_slug": "xpert-home-lending-2179191",
        "branch_city": null,
        "branch_state": "CO",
        "branch_zip": null,
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://xperthomelending.com/loan-directory/david-cramm",
        "lender_type": "broker",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/david-cramm",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO108207",
        "status": "inactive",
        "issued_at": "2022-05-24",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "CO",
        "license_type": "state_license",
        "license_number": "100054070",
        "status": "active",
        "issued_at": "2015-01-02",
        "source": "state_regulator",
        "source_url": "https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=142340&contact=234305",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      }
    ],
    "specialties": [
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/david-cramm",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/david-cramm",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/david-cramm",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "low-credit",
        "label": "Low credit score",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/david-cramm",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "non-qm",
        "label": "Non-QM loan",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/david-cramm",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.8,
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/david-cramm",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "20+",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/david-cramm",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "credential",
        "value": "5-star Google rating with over 100 reviews",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/david-cramm",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "other",
        "value": "Licensed in 42 states",
        "source": "lender_site",
        "source_url": "https://xperthomelending.com/loan-directory/david-cramm",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-09 12:18:23.16858+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/david-cramm-565968#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://xperthomelending.com/loan-directory/david-cramm",
      "verified_at": "2026-10-09"
    },
    "licensed_since": {
      "year": 2015,
      "state": "CO"
    },
    "federal_registration": null
  }
}