---
canonical_url: https://lendb.ai/lo/david-cummins-240810
json_url: https://lendb.ai/lo/david-cummins-240810.json
nmls_id: 240810
last_verified: 2026-10-09
---

# David Cummins

Loan Advisor at American Pacific Mortgage, Escondido, CA. NMLS ID 240810 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/240810)).

**Summary:** David Cummins (NMLS 240810) is Loan Advisor at American Pacific Mortgage, based in Escondido, CA. Licensed in Florida, confirmed with the state regulator (license LO128764). Also lists California, Massachusetts and Tennessee on the lender page (not yet checked with the state regulator). Licensed since 2024 (per Florida records). Last verified 2026-10-09.

## At a glance

- Licensed since 2024 (per Florida records). This is license history on file, not total experience.
- Licensed in: Florida (FL, confirmed), California (CA, lender_reported), Massachusetts (MA, 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


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO128764 | active | confirmed | 2024-05-17 | state_regulator | 2026-10-09 |
| CA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| MA | 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: American Pacific Mortgage (NMLS 1850), Escondido, CA. Source: https://www.apmortgage.com/david-cummins, 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/240810

## Contact

- linkedin_url: https://www.linkedin.com/in/david-cummins-67330110/ (source: lender_site, verified 2026-10-09)
- View profile at American Pacific Mortgage: https://www.apmortgage.com/david-cummins
- Email on file: shown at https://lendb.ai/lo/david-cummins-240810#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/240810
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.apmortgage.com/david-cummins

Cite as: David Cummins (NMLS 240810), American Pacific Mortgage. LenDb.ai, https://lendb.ai/lo/david-cummins-240810, last verified 2026-10-09.

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