---
canonical_url: https://lendb.ai/lo/hal-kramer-184087
json_url: https://lendb.ai/lo/hal-kramer-184087.json
nmls_id: 184087
last_verified: 2026-10-15
---

# Hal Kramer

Branch Manager at Bayshore Mortgage Funding, LLC. NMLS ID 184087 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/184087)).

**Summary:** Hal Kramer (NMLS 184087) is Branch Manager at Bayshore Mortgage Funding, LLC. Licensed in Florida, confirmed with the state regulator (license LO98200). Also lists District of Columbia, Maryland, New Jersey, Pennsylvania, South Carolina and Virginia on the lender page (not yet checked with the state regulator). Earliest state license record: November 24, 2021 (Florida), per state regulator. States 20 years of experience. Last verified 2026-10-15.

## At a glance

- Earliest state license record: November 24, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 20 (source: https://bayshoremortgagefunding.com/team-directory/hal-kramer/, verified 2026-10-15)
- Licensed in: Florida (FL, confirmed), District of Columbia (DC, lender_reported), Maryland (MD, lender_reported), New Jersey (NJ, lender_reported), Pennsylvania (PA, lender_reported), South Carolina (SC, lender_reported), Virginia (VA, lender_reported)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

## Facts from the lender page and intro

- years_experience: 20. Source: https://bayshoremortgagefunding.com/team-directory/hal-kramer/, verified 2026-10-15.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO98200 | active | confirmed | 2021-11-24 | state_regulator | 2026-10-15 |
| DC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| PA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-15 |
| SC | 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 |

## Employment history

- ? to present: Bayshore Mortgage Funding, LLC (NMLS 196858). Source: https://bayshoremortgagefunding.com/team-directory/hal-kramer/, 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/184087

## Contact

- View profile at Bayshore Mortgage Funding, LLC: https://bayshoremortgagefunding.com/team-directory/hal-kramer/
- Office phone and Email on file: shown at https://lendb.ai/lo/hal-kramer-184087#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/184087
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://bayshoremortgagefunding.com/team-directory/hal-kramer/
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Hal Kramer (NMLS 184087), Bayshore Mortgage Funding, LLC. LenDb.ai, https://lendb.ai/lo/hal-kramer-184087, last verified 2026-10-15.

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