{
  "canonical_url": "https://lendb.ai/lo/amy-cummings-882893",
  "loan_officer": {
    "nmls_id": 882893,
    "slug": "amy-cummings-882893",
    "canonical_url": "https://lendb.ai/lo/amy-cummings-882893",
    "md_url": "https://lendb.ai/lo/amy-cummings-882893.md",
    "json_url": "https://lendb.ai/lo/amy-cummings-882893.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/882893",
    "full_name": {
      "value": "Amy Cummings",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
      "verified_at": "2026-10-09"
    },
    "first_name": "Amy",
    "last_name": "Cummings",
    "headshot_url": null,
    "bio": {
      "value": "Amy has 25+ years of mortgage industry experience across roles including loan closer, processor, and relocation specialist. She specializes in clear communication, guiding first-time and investment property buyers through the entire mortgage process.",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Loan Officer",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 25,
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
      "verified_at": "2026-10-09"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 80,
    "current_employment": {
      "lender_nmls_id": 134871,
      "lender_name": "Highlands Residential Mortgage",
      "lender_slug": "highlands-residential-mortgage-134871",
      "branch_city": "Texarkana",
      "branch_state": "TX",
      "branch_zip": "75503",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 134871,
        "lender_name": "Highlands Residential Mortgage",
        "lender_slug": "highlands-residential-mortgage-134871",
        "branch_city": "Texarkana",
        "branch_state": "TX",
        "branch_zip": "75503",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [
      {
        "state": "AR",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      },
      {
        "state": "TX",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
        "verified_at": "2026-10-09",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [
      {
        "slug": "down-payment-assistance",
        "label": "Down payment assistance",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "investor",
        "label": "Real estate investor",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "usda",
        "label": "USDA loan",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "evidence": "lender_page_text",
        "confidence": 0.7,
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "25",
        "source": "lender_site",
        "source_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 07:18:42.499631+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/amy-cummings-882893#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.highlandsmortgage.com/agents/amy-cummings/",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": null
  }
}