---
canonical_url: https://lendb.ai/lo/kimberly-kramer-1398912
json_url: https://lendb.ai/lo/kimberly-kramer-1398912.json
nmls_id: 1398912
last_verified: 2026-10-09
---

# Kim Kramer

Jr Loan Officer at Guild Mortgage, Pensacola, FL. NMLS ID 1398912 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1398912)).

**Summary:** Kim Kramer (NMLS 1398912) is Jr Loan Officer at Guild Mortgage, based in Pensacola, FL. Licensed in Florida, confirmed with the state regulator (license LO149410). Earliest state license record: July 13, 2026 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: July 13, 2026 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO149410 | active | confirmed | 2026-07-13 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: Guild Mortgage (NMLS 3274), Pensacola, FL. Source: https://branches.guildmortgage.com/fl/pensacola/kim-kramer-9-chkkr.html, 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/1398912

## Contact

- View profile at Guild Mortgage: https://branches.guildmortgage.com/fl/pensacola/kim-kramer-9-chkkr.html
- Email on file: shown at https://lendb.ai/lo/kimberly-kramer-1398912#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1398912
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://branches.guildmortgage.com/fl/pensacola/kim-kramer-9-chkkr.html

Cite as: Kim Kramer (NMLS 1398912), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/kimberly-kramer-1398912, last verified 2026-10-09.

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