--- canonical_url: https://lendb.ai/lo/chris-cunningham-268919 json_url: https://lendb.ai/lo/chris-cunningham-268919.json nmls_id: 268919 last_verified: 2026-10-24 --- # Chris Cunningham Loan Officer at Lifetime Home Loans, LLC. NMLS ID 268919 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/268919)). Chris Cunningham (NMLS 268919) is a Loan Officer at Lifetime Home Loans, LLC, licensed in California since 2020. Chris's focus, from their own profile, includes down payment assistance, FHA loan and jumbo loan. **Summary:** Chris Cunningham (NMLS 268919) is Loan Officer at Lifetime Home Loans, LLC. Licensed in California, confirmed with the state regulator (license CA-DFPI268919). Also lists Nevada on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Down payment assistance, FHA loan, Jumbo loan, Non-QM loan and USDA loan. Earliest state license record: December 9, 2020 (California), per state regulator. States 20 years of experience. Last verified 2026-10-24. ## Quick answers ### Is Chris licensed in California? Yes. California regulator records list license CA-DFPI268919 as active, first effective December 9, 2020 (verified 2026-10-24). LenDb has 1 other state on file for Chris. Source: https://dfpi.ca.gov/. ### Does Chris do down payment assistance? Chris's profile lists down payment assistance as a focus (from their lender profile page). It also lists FHA loan, jumbo loan and non-QM loan. Source: https://lifetimehomeloans.com/project/chris-cunningham/. ### What lender does Chris work for? Lifetime Home Loans, LLC, company NMLS 1861406, per the lender's own site (verified 2026-10-15). Source: https://lifetimehomeloans.com/project/chris-cunningham/. ### How long has Chris been licensed? The earliest state license record LenDb holds for Chris is from December 9, 2020 (California regulator). That is a record date from the rosters we hold, not proof of continuous licensure. Chris states 20 years of experience. Source: https://dfpi.ca.gov/. ## At a glance - Earliest state license record: December 9, 2020 (California), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 20 (source: https://lifetimehomeloans.com/project/chris-cunningham/, verified 2026-10-15) - Also licensed as (state regulator records, same NMLS ID): Christopher M. Cunningham (CA, as of 2026-10-22) - Licensed in: California (CA DFPI, confirmed), Nevada (NV, 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 (Languages come only from the loan officer's own lender page, and most lender pages do not list languages. A language that is not listed means not stated, not that the loan officer does not speak it.) - Profile: unclaimed - Status: active ## Specialties ### Focus (officer level: their own bio, title, certification, specialty list or claim) - **Down payment assistance** (`down-payment-assistance`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://lifetimehomeloans.com/project/chris-cunningham/ - **FHA loan** (`fha`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://lifetimehomeloans.com/project/chris-cunningham/ - **Jumbo loan** (`jumbo`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://lifetimehomeloans.com/project/chris-cunningham/ - **Non-QM loan** (`non-qm`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://lifetimehomeloans.com/project/chris-cunningham/ - **USDA loan** (`usda`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://lifetimehomeloans.com/project/chris-cunningham/ - **VA loan** (`va`): from their lender profile page, confidence 0.60, verified 2026-10-26. Source: https://lifetimehomeloans.com/project/chris-cunningham/ ## Facts from the lender page and intro - years_experience: 20+. Source: https://lifetimehomeloans.com/project/chris-cunningham/, verified 2026-10-15. - role: past experience as a broker, direct lender and net branch owner. Source: https://lifetimehomeloans.com/project/chris-cunningham/, verified 2026-10-15. ## Licenses | State | Regulator | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---|---| | CA | California Department of Financial Protection and Innovation | state_license | CA-DFPI268919 | active | confirmed | 2020-12-09 | state_regulator | 2026-10-24 | | NV | | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-15 | ## Employment history - ? to present: Lifetime Home Loans, LLC (NMLS 1861406). Source: https://lifetimehomeloans.com/project/chris-cunningham/, verified 2026-10-15. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/268919 ## Contact - View profile at Lifetime Home Loans, LLC: https://lifetimehomeloans.com/project/chris-cunningham/ - Office phone and Email on file: shown at https://lendb.ai/lo/chris-cunningham-268919#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/268919 - state_regulator: https://dfpi.ca.gov/ - lender_site: https://lifetimehomeloans.com/project/chris-cunningham/ Cite as: Chris Cunningham (NMLS 268919), Lifetime Home Loans, LLC. LenDb.ai, https://lendb.ai/lo/chris-cunningham-268919, last verified 2026-10-24. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._