---
canonical_url: https://lendb.ai/lo/stephanie-cramm-243972
json_url: https://lendb.ai/lo/stephanie-cramm-243972.json
nmls_id: 243972
last_verified: 2026-10-09
---

# Stephanie Cramm

Mortgage Advisor at Xpert Home Lending. NMLS ID 243972 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/243972)).

**Summary:** Stephanie Cramm (NMLS 243972) is Mortgage Advisor at Xpert Home Lending. Licensed in 2 states confirmed with state regulators: Florida and Colorado. Also lists Arkansas, California, Georgia, Idaho, Minnesota, North Carolina, New Hampshire, New Mexico and 1 more on the lender page (not yet checked with the state regulator). Licensed since 2018 (per Colorado records). Last verified 2026-10-09.

## At a glance

- Licensed since 2018 (per Colorado records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), Colorado (CO, confirmed), Arkansas (AR, lender_reported), California (CA, lender_reported), Georgia (GA, lender_reported), Idaho (ID, lender_reported), Minnesota (MN, lender_reported), North Carolina (NC, lender_reported), New Hampshire (NH, lender_reported), New Mexico (NM, lender_reported), Texas (TX, 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

Stephanie has 20+ years of mortgage experience serving clients across 11 states. Known for fast loan closings and personalized service.

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/stephanie-cramm, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO109617 | active | confirmed | 2022-06-20 | state_regulator | 2026-10-09 |
| CO | state_license | 100510735 | active | confirmed | 2018-04-09 | state_regulator | 2026-10-10 |
| AR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| ID | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NH | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NM | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TX | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Xpert Home Lending (NMLS 2179191). Source: https://xperthomelending.com/loan-directory/stephanie-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/243972

## Contact

- View profile at Xpert Home Lending: https://xperthomelending.com/loan-directory/stephanie-cramm
- Office phone and Email on file: shown at https://lendb.ai/lo/stephanie-cramm-243972#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/243972
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://apps.colorado.gov/dre/licensing/Lookup/PrintLicenseDetails.aspx?cred=214661&contact=202853
- lender_site: https://xperthomelending.com/loan-directory/stephanie-cramm

Cite as: Stephanie Cramm (NMLS 243972), Xpert Home Lending. LenDb.ai, https://lendb.ai/lo/stephanie-cramm-243972, last verified 2026-10-09.

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