---
canonical_url: https://lendb.ai/lo/cara-cunha-1110518
json_url: https://lendb.ai/lo/cara-cunha-1110518.json
nmls_id: 1110518
last_verified: 2026-10-09
---

# Cara Cunha

Sales Manager at Embrace Home Loans, Melville, NY. NMLS ID 1110518 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1110518)).

**Summary:** Cara Cunha (NMLS 1110518) is Sales Manager at Embrace Home Loans, based in Melville, NY. Licensed in Florida, confirmed with the state regulator (license LO117057). Also lists Connecticut, New Jersey, New York and Vermont on the lender page (not yet checked with the state regulator). Earliest state license record: January 31, 2023 (Florida), per state regulator. Last verified 2026-10-09.

## At a glance

- Earliest state license record: January 31, 2023 (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), Connecticut (CT, lender_reported), New Jersey (NJ, lender_reported), New York (NY, lender_reported), Vermont (VT, 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

Cara is a Producing Sales Manager and lifelong Long Islander with prior mortgage lending experience at PNC Bank. Recognized as a three-time President's Club member and 2025 Scotsman Guide Top Woman Originator.

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

## Facts from the lender page and intro

- role: Producing Sales Manager at Embrace; prior mortgage lending at PNC Bank. Source: https://www.embracehomeloans.com/location/new-york/melville/cara-cunha, verified 2026-10-09.
- credential: Three-time President's Club member (2023, 2024, 2025); Scotsman Guide Top Woman Originator 2025. Source: https://www.embracehomeloans.com/location/new-york/melville/cara-cunha, verified 2026-10-09.
- community: Supports New Ground, Long Island organization assisting homeless veterans and families. Source: https://www.embracehomeloans.com/location/new-york/melville/cara-cunha, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO117057 | active | confirmed | 2023-01-31 | state_regulator | 2026-10-09 |
| CT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NJ | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Embrace Home Loans (NMLS 2184), Melville, NY. Source: https://www.embracehomeloans.com/location/new-york/melville/cara-cunha, 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/1110518

## Contact

- View profile at Embrace Home Loans: https://www.embracehomeloans.com/location/new-york/melville/cara-cunha
- Office phone and Email on file: shown at https://lendb.ai/lo/cara-cunha-1110518#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1110518
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.embracehomeloans.com/location/new-york/melville/cara-cunha

Cite as: Cara Cunha (NMLS 1110518), Embrace Home Loans. LenDb.ai, https://lendb.ai/lo/cara-cunha-1110518, last verified 2026-10-09.

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