David Cummins
Loan Advisor at American Pacific Mortgage · Escondido, CA
NMLS ID 240810 (opens in a new tab) · verify at NMLS Consumer Access
David Cummins (NMLS 240810) is Loan Advisor at American Pacific Mortgage, based in Escondido, CA. Licensed in 4 states: Florida, California, Massachusetts and Tennessee. Focus areas shown on the lender page: FHA loan, Jumbo loan, Renovation loan (203k / HomeStyle), USDA loan and VA loan. 2 years licensed.
Last verified . Sources: American Pacific Mortgage (apmortgage.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- 2 years licensed
- 4 states
- Unclaimed profile
- No actions on file
Specialties
- FHA loanlender page
- Jumbo loanlender page
- Renovation loan (203k / HomeStyle)lender page
- USDA loanlender page
- VA loanlender page
- First-time buyerlender page
- Real estate investorlender page
- Construction loanlender page
Where we saw these: apmortgage.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
Florida, California, Massachusetts, Tennessee
Confirmed with the state regulator: FL (opens in a new tab) (LO128764, since 2024), verified 2026-10-09.
Others as listed on the lender page (CA, MA, TN), not yet checked against state regulators.
Contact
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Employment history
American Pacific Mortgage NMLS 1850
Current · Escondido, CA · seen on lender site 2026-10-09
Disciplinary actions
None on record
Regulator orders are not loaded yet. Check NMLS Consumer Access.
About
David Cummins serves first-time homebuyers and experienced investors. He offers a comprehensive suite of loan programs including conventional, jumbo, FHA, VA, USDA, bridge, builder, and renovation loans.
Our summary of the lender page. Verified 2026-10-09.
Reviews
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Sources
| Name and employer | lender site · apmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · apmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · apmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · apmortgage.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · apmortgage.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: David Cummins (NMLS 240810), American Pacific Mortgage. LenDb.ai, https://lendb.ai/lo/david-cummins-240810, last verified 2026-10-09.
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