---
canonical_url: https://lendb.ai/lo/david-cramm-565968
json_url: https://lendb.ai/lo/david-cramm-565968.json
nmls_id: 565968
last_verified: 2026-10-09
---

# David Cramm

Loan Officer at Xpert Home Lending, CO. NMLS ID 565968 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/565968)).

**Summary:** 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 2026-10-09.

## At a glance

- Licensed since 2015 (per Colorado records). This is license history on file, not total experience.
- Licensed in: Colorado (CO, 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
- Profile: unclaimed
- Status: active

## Specialties

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.80, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/david-cramm
- **FHA loan** (`fha`): lender page, confidence 0.80, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/david-cramm
- **Jumbo loan** (`jumbo`): lender page, confidence 0.80, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/david-cramm
- **Low credit score** (`low-credit`): lender page, confidence 0.80, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/david-cramm
- **Non-QM loan** (`non-qm`): lender page, confidence 0.80, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/david-cramm
- **VA loan** (`va`): lender page, confidence 0.80, verified 2026-10-09. Source: https://xperthomelending.com/loan-directory/david-cramm

## 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.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 20+. Source: https://xperthomelending.com/loan-directory/david-cramm, verified 2026-10-09.
- credential: 5-star Google rating with over 100 reviews. Source: https://xperthomelending.com/loan-directory/david-cramm, verified 2026-10-09.
- other: Licensed in 42 states. Source: https://xperthomelending.com/loan-directory/david-cramm, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO108207 | inactive | confirmed | 2022-05-24 | state_regulator | 2026-10-09 |
| CO | state_license | 100054070 | active | confirmed | 2015-01-02 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Xpert Home Lending (NMLS 2179191), CO. Source: https://xperthomelending.com/loan-directory/david-cramm, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/565968

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/david-cramm
- Office phone and Email on file: shown at https://lendb.ai/lo/david-cramm-565968#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/565968
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=142340&contact=234305
- lender_site: https://xperthomelending.com/loan-directory/david-cramm

Cite as: David Cramm (NMLS 565968), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/david-cramm-565968, last verified 2026-10-09.

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