--- canonical_url: https://lendb.ai/lo/denise-montgomery-57734 json_url: https://lendb.ai/lo/denise-montgomery-57734.json nmls_id: 57734 last_verified: 2026-10-09 --- # Denise Cuddeback Montgomery Branch Manager at American Pacific Mortgage, Eugene, OR. NMLS ID 57734 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/57734)). **Summary:** Denise Cuddeback Montgomery (NMLS 57734) is Branch Manager at American Pacific Mortgage, based in Eugene, OR. Licensed in Florida, confirmed with the state regulator (license LO120938). Also lists Arizona, California, Colorado, Idaho, Minnesota, Montana, Oregon, Texas and 2 more on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: Bank statement loan, Down payment assistance, DSCR loan, FHA loan and First-time buyer. Licensed since 2023 (per Florida records). States 30 years of experience. Last verified 2026-10-09. ## At a glance - Licensed since 2023 (per Florida records). This is license history on file, not total experience. - Years experience (stated by the LO): 30 (source: https://www.apmortgage.com/denise-montgomery, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, lender_reported), Idaho (ID, lender_reported), Minnesota (MN, lender_reported), Montana (MT, lender_reported), Oregon (OR, lender_reported), Texas (TX, lender_reported), Washington (WA, lender_reported), Wyoming (WY, 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 - **Bank statement loan** (`bank-statement`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.apmortgage.com/denise-montgomery - **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.apmortgage.com/denise-montgomery - **DSCR loan** (`dscr`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.apmortgage.com/denise-montgomery - **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.apmortgage.com/denise-montgomery - **First-time buyer** (`first-time-buyer`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.apmortgage.com/denise-montgomery - **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.apmortgage.com/denise-montgomery - **Manufactured home** (`manufactured`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.apmortgage.com/denise-montgomery - **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.apmortgage.com/denise-montgomery - **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.apmortgage.com/denise-montgomery - **Self-employed** (`self-employed`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.apmortgage.com/denise-montgomery - **USDA loan** (`usda`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.apmortgage.com/denise-montgomery - **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.apmortgage.com/denise-montgomery ## About Denise has 30+ years of mortgage lending experience serving homebuyers, homeowners and investors across Oregon and multiple states, with expertise in traditional and hard-to-finance loans. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: 30. Source: https://www.apmortgage.com/denise-montgomery, verified 2026-10-09. - education: University of Oregon Business School. Source: https://www.apmortgage.com/denise-montgomery, verified 2026-10-09. - credential: Known for tackling challenging transactions and providing thorough pre-approvals. Source: https://www.apmortgage.com/denise-montgomery, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO120938 | active | confirmed | 2023-06-21 | state_regulator | 2026-10-09 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ID | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MT | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OR | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WY | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: American Pacific Mortgage (NMLS 1850), Eugene, OR. Source: https://www.apmortgage.com/denise-montgomery, 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/57734 ## Contact - View profile at American Pacific Mortgage: https://www.apmortgage.com/denise-montgomery - Office phone and Email on file: shown at https://lendb.ai/lo/denise-montgomery-57734#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/57734 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip - lender_site: https://www.apmortgage.com/denise-montgomery Cite as: Denise Cuddeback Montgomery (NMLS 57734), American Pacific Mortgage. LenDb.ai, https://lendb.ai/lo/denise-montgomery-57734, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._