---
canonical_url: https://lendb.ai/lo/charity-cummings-404245
json_url: https://lendb.ai/lo/charity-cummings-404245.json
nmls_id: 404245
last_verified: 2026-10-09
---

# Charity Cummings

Area Manager at Guild Mortgage, Bentonville, AR. NMLS ID 404245 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/404245)).

**Summary:** Charity Cummings (NMLS 404245) is Area Manager at Guild Mortgage, based in Bentonville, AR. Lists Alabama, Arkansas, Missouri and Washington on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. States 30 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): 30 (source: https://branches.guildmortgage.com/ar/bentonville/charity-cummings-830-chccum.html, verified 2026-10-09)
- Licensed in: Alabama (AL, lender_reported), Arkansas (AR, lender_reported), Missouri (MO, lender_reported), Washington (WA, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://branches.guildmortgage.com/ar/bentonville/charity-cummings-830-chccum.html

## About

Military veteran with 30+ years in finance who specializes in helping first-time homebuyers. They lead teams across multiple states and enjoy outdoor activities.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://branches.guildmortgage.com/ar/bentonville/charity-cummings-830-chccum.html, verified 2026-10-09.
- role: accomplished Area Sales Manager and licensed Team leader. Source: https://branches.guildmortgage.com/ar/bentonville/charity-cummings-830-chccum.html, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| AR | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MO | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| WA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Guild Mortgage (NMLS 3274), Bentonville, AR. Source: https://branches.guildmortgage.com/ar/bentonville/charity-cummings-830-chccum.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/404245

## Contact

- View profile at Guild Mortgage: https://branches.guildmortgage.com/ar/bentonville/charity-cummings-830-chccum.html
- Office phone and Email on file: shown at https://lendb.ai/lo/charity-cummings-404245#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/404245
- lender_site: https://branches.guildmortgage.com/ar/bentonville/charity-cummings-830-chccum.html

Cite as: Charity Cummings (NMLS 404245), Guild Mortgage. LenDb.ai, https://lendb.ai/lo/charity-cummings-404245, last verified 2026-10-09.

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