---
canonical_url: https://lendb.ai/lo/cynthia-lott-morris-685633
json_url: https://lendb.ai/lo/cynthia-lott-morris-685633.json
nmls_id: 685633
last_verified: 2026-10-09
---

# Cynthia Lott Morris

Loan Officer at ALCOVA Mortgage, Asheville, NC. NMLS ID 685633 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/685633)).

**Summary:** Cynthia Lott Morris (NMLS 685633) is Loan Officer at ALCOVA Mortgage, based in Asheville, NC. Lists Kentucky and Tennessee on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: First-time buyer. 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.
- Licensed in: Kentucky (KY, 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

- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.90, verified 2026-10-09. Source: https://alcova.com/loan-officer/cmorris/

## About

Cynthia works with first-time home borrowers helping them achieve their dream of mortgage approval.

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

## Facts from the lender page and intro

- service_area: Nashville, TN area. Source: https://alcova.com/loan-officer/cmorris/, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| KY | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| TN | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: ALCOVA Mortgage (NMLS 40508), Asheville, NC. Source: https://alcova.com/loan-officer/cmorris/, 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/685633

## Contact

- View profile at ALCOVA Mortgage: https://alcova.com/loan-officer/cmorris/
- Email on file: shown at https://lendb.ai/lo/cynthia-lott-morris-685633#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/685633
- lender_site: https://alcova.com/loan-officer/cmorris/

Cite as: Cynthia Lott Morris (NMLS 685633), ALCOVA Mortgage. LenDb.ai, https://lendb.ai/lo/cynthia-lott-morris-685633, last verified 2026-10-09.

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