---
canonical_url: https://lendb.ai/lo/cynthia-hammond-164102
json_url: https://lendb.ai/lo/cynthia-hammond-164102.json
nmls_id: 164102
last_verified: 2026-10-10
---

# Cindy Hammond

Branch Manager, VP at Lower, Cleveland, GA. NMLS ID 164102 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/164102)).

**Summary:** Cindy Hammond (NMLS 164102) is Branch Manager, VP at Lower, based in Cleveland, GA. Licensed in Florida, confirmed with the state regulator (license LO79609). Also lists Alabama, Georgia, Kentucky, North Carolina, South Carolina and Tennessee on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Construction loan, Manufactured home and Reverse mortgage. Licensed since 2021 (per Florida records). States 25 years of experience. Last verified 2026-10-10.

## At a glance

- Licensed since 2021 (per Florida records). This is license history on file, not total experience.
- Years experience (stated by the LO): 25 (source: https://www.lower.com/loan-officers/georgia/cleveland/cindy-hammond, verified 2026-10-10)
- Licensed in: Florida (FL, confirmed), Alabama (AL, lender_reported), Georgia (GA, lender_reported), Kentucky (KY, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, 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

- **Construction loan** (`construction`): lender page, confidence 0.50, verified 2026-10-10. Source: https://www.lower.com/loan-officers/georgia/cleveland/cindy-hammond
- **Manufactured home** (`manufactured`): lender page, confidence 0.50, verified 2026-10-10. Source: https://www.lower.com/loan-officers/georgia/cleveland/cindy-hammond
- **Reverse mortgage** (`reverse`): lender page, confidence 0.50, verified 2026-10-10. Source: https://www.lower.com/loan-officers/georgia/cleveland/cindy-hammond

## About

Cindy has 25 years of mortgage origination experience and is based in Cleveland, Georgia, covering the Southeast. Government-backed loans, construction lending and reverse mortgages are noted focus areas.

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

## Facts from the lender page and intro

- years_experience: 25. Source: https://www.lower.com/loan-officers/georgia/cleveland/cindy-hammond, verified 2026-10-10.
- service_area: Southeast. Source: https://www.lower.com/loan-officers/georgia/cleveland/cindy-hammond, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO79609 | active | confirmed | 2021-01-04 | state_regulator | 2026-10-09 |
| AL | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Cleveland, GA. Source: https://www.lower.com/loan-officers/georgia/cleveland/cindy-hammond, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/164102

## Contact

- linkedin_url: https://www.linkedin.com/in/cindy-hammond-b3316a1a/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/georgia/cleveland/cindy-hammond
- Email on file: shown at https://lendb.ai/lo/cynthia-hammond-164102#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/164102
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/georgia/cleveland/cindy-hammond

Cite as: Cindy Hammond (NMLS 164102), Lower. LenDb.ai, https://lendb.ai/lo/cynthia-hammond-164102, last verified 2026-10-10.

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