---
canonical_url: https://lendb.ai/lo/amy-cummings-882893
json_url: https://lendb.ai/lo/amy-cummings-882893.json
nmls_id: 882893
last_verified: 2026-10-09
---

# Amy Cummings

Loan Officer at Highlands Residential Mortgage, Texarkana, TX. NMLS ID 882893 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/882893)).

**Summary:** Amy Cummings (NMLS 882893) is Loan Officer at Highlands Residential Mortgage, based in Texarkana, TX. Lists Arkansas and Texas on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, Real estate investor, USDA loan, Vacation home and FHA loan. States 25 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 25 (source: https://www.highlandsmortgage.com/agents/amy-cummings/, verified 2026-10-09)
- Licensed in: Arkansas (AR, 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/amy-cummings/
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/amy-cummings/
- **USDA loan** (`usda`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/amy-cummings/
- **Vacation home** (`vacation-home`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/amy-cummings/
- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/amy-cummings/
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/amy-cummings/
- **VA loan** (`va`): lender page, confidence 0.10, verified 2026-10-09. Source: https://www.highlandsmortgage.com/agents/amy-cummings/

## About

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

## Facts from the lender page and intro

- years_experience: 25. Source: https://www.highlandsmortgage.com/agents/amy-cummings/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AR | 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: Highlands Residential Mortgage (NMLS 134871), Texarkana, TX. Source: https://www.highlandsmortgage.com/agents/amy-cummings/, 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/882893

## Contact

- View profile at Highlands Residential Mortgage: https://www.highlandsmortgage.com/agents/amy-cummings/
- Office phone and Email on file: shown at https://lendb.ai/lo/amy-cummings-882893#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/882893
- lender_site: https://www.highlandsmortgage.com/agents/amy-cummings/

Cite as: Amy Cummings (NMLS 882893), Highlands Residential Mortgage. LenDb.ai, https://lendb.ai/lo/amy-cummings-882893, last verified 2026-10-09.

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