Phil Cunningham
Producing Branch Manager at Lower · Wilmington, NC
NMLS ID 659032 (opens in a new tab) · verify at NMLS Consumer Access
Phil Cunningham (NMLS 659032) is Producing Branch Manager at Lower, based in Wilmington, NC. Lists North Carolina and South Carolina on the lender page (not yet checked with the state regulator). Earliest state license record: May 20, 2016 (Florida), per state regulator. States 30 years of experience.
Last verified . Sources: Lower (lower.com), Florida state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: May 20, 2016 (Florida), per state regulator
- 30 years experience (stated)
- 2 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
None listed on the lender page yet.
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
North Carolina, South Carolina
Lender-reported: NC, SC are listed on the lender page, not yet checked with the state regulator.
Earlier regulator records (not active): FL (expired).
Contact
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Employment history
Lower NMLS 1124061
Current · Wilmington, NC · seen on lender site 2026-10-10
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Has over three decades of mortgage experience in Southeastern North Carolina and has been based in Wilmington since 1987.
Our summary of the lender page. Verified 2026-10-10.
- Education
- BS in Finance, UNC Wilmington Cameron School of Business (1990)
- Source (opens in a new tab), verified 2026-10-10
Sources
| Name and employer | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Licenses (regulator) | state regulator · real.flofr.com (opens in a new tab) | verified 2026-10-09 |
| Licensed states | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Summary | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Contact | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| Photo | lender site · lower.com (opens in a new tab) | verified 2026-10-10 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: Phil Cunningham (NMLS 659032), Lower. LenDb.ai, https://lendb.ai/lo/phillip-cunningham-659032, last verified 2026-10-10.
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