---
canonical_url: https://lendb.ai/lo/harold-johnson-233808
json_url: https://lendb.ai/lo/harold-johnson-233808.json
nmls_id: 233808
last_verified: 2026-10-09
---

# Hal Johnson

Senior Loan Officer at Embrace Home Loans, Charlottesville, VA. NMLS ID 233808 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/233808)).

**Summary:** Hal Johnson (NMLS 233808) is Senior Loan Officer at Embrace Home Loans, based in Charlottesville, VA. Lists District of Columbia, Maryland and Virginia on the lender page (not yet checked with the state regulator). Earliest state license record: January 4, 2022 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: January 4, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: District of Columbia (DC, lender_reported), Maryland (MD, lender_reported), Virginia (VA, 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
- Profile: unclaimed
- Status: active

## Specialties


## About

Senior Loan Officer focused on originating loans to help borrowers meet their unique financial needs. Previously worked with Guaranteed Rate and recognized as a Charlottesville Area Association of REALTORS® affiliate member of the year.

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

## Facts from the lender page and intro

- credential: President's Club honors in 2020 and 2021 with Guaranteed Rate. Source: https://www.embracehomeloans.com/location/virginia/charlottesville/hal-johnson, verified 2026-10-09.
- credential: Charlottesville Area Association of REALTORS® affiliate member of the year. Source: https://www.embracehomeloans.com/location/virginia/charlottesville/hal-johnson, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO99897 | expired | confirmed | 2022-01-04 | state_regulator | 2026-10-09 |
| DC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MD | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Charlottesville, VA. Source: https://www.embracehomeloans.com/location/virginia/charlottesville/hal-johnson, 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/233808

## Contact

- linkedin_url: https://www.linkedin.com/in/halembrace/ (source: lender_site, verified 2026-10-09)
- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/virginia/charlottesville/hal-johnson
- Office phone and Email on file: shown at https://lendb.ai/lo/harold-johnson-233808#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/233808
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.embracehomeloans.com/location/virginia/charlottesville/hal-johnson

Cite as: Hal Johnson (NMLS 233808), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/harold-johnson-233808, last verified 2026-10-09.

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