{
  "canonical_url": "https://lendb.ai/lo/phillip-cunningham-659032",
  "loan_officer": {
    "nmls_id": 659032,
    "slug": "phillip-cunningham-659032",
    "canonical_url": "https://lendb.ai/lo/phillip-cunningham-659032",
    "md_url": "https://lendb.ai/lo/phillip-cunningham-659032.md",
    "json_url": "https://lendb.ai/lo/phillip-cunningham-659032.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/659032",
    "full_name": {
      "value": "Phil Cunningham",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham",
      "verified_at": "2026-10-10"
    },
    "first_name": "Phil",
    "last_name": "Cunningham",
    "headshot_url": {
      "value": "https://www.lower.com/hs-fs/hubfs/airtable-imports/profile-pics/lo-phil-cunningham-1.jpg?quality=80&format=webp&width=800&height=800&name=lo-phil-cunningham-1.jpg",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham",
      "verified_at": "2026-10-10"
    },
    "bio": {
      "value": "Has over three decades of mortgage experience in Southeastern North Carolina and has been based in Wilmington since 1987.",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham",
      "verified_at": "2026-10-10"
    },
    "title": {
      "value": "Producing Branch Manager",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham",
      "verified_at": "2026-10-10"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham",
      "verified_at": "2026-10-10"
    },
    "years_licensed": null,
    "years_experience": {
      "value": 30,
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham",
      "verified_at": "2026-10-10"
    },
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 85,
    "current_employment": {
      "lender_nmls_id": 1124061,
      "lender_name": "Lower",
      "lender_slug": "lower-1124061",
      "branch_city": "Wilmington",
      "branch_state": "NC",
      "branch_zip": "28405",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham",
      "lender_type": "imb",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham",
      "verified_at": "2026-10-10"
    },
    "employment_history": [
      {
        "lender_nmls_id": 1124061,
        "lender_name": "Lower",
        "lender_slug": "lower-1124061",
        "branch_city": "Wilmington",
        "branch_state": "NC",
        "branch_zip": "28405",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham",
        "lender_type": "imb",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham",
        "verified_at": "2026-10-10"
      }
    ],
    "licenses": [
      {
        "state": "FL",
        "license_type": "state_license",
        "license_number": "LO35273",
        "status": "expired",
        "issued_at": "2016-05-20",
        "source": "state_regulator",
        "source_url": "https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip",
        "verified_at": "2026-10-09",
        "confidence": "confirmed"
      },
      {
        "state": "NC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      },
      {
        "state": "SC",
        "license_type": "state_license",
        "license_number": null,
        "status": "listed_on_lender_site",
        "issued_at": null,
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham",
        "verified_at": "2026-10-10",
        "confidence": "lender_reported"
      }
    ],
    "specialties": [],
    "contacts": [
      {
        "kind": "linkedin_url",
        "value": "https://www.linkedin.com/in/phil-cunningham/",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham",
        "verified_at": "2026-10-10"
      }
    ],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "30",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham",
        "verified_at": "2026-10-10"
      },
      {
        "kind": "service_area",
        "value": "Southeastern North Carolina",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham",
        "verified_at": "2026-10-10"
      },
      {
        "kind": "education",
        "value": "BS in Finance, UNC Wilmington Cameron School of Business (1990)",
        "source": "lender_site",
        "source_url": "https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham",
        "verified_at": "2026-10-10"
      }
    ],
    "last_verified_at": "2026-10-10",
    "updated_at": "2026-10-11 00:54:21.012826+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/phillip-cunningham-659032#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham",
      "verified_at": "2026-10-10"
    },
    "earliest_license_record": {
      "date": "2016-05-20",
      "state": "FL"
    },
    "licensed_since": {
      "year": 2016,
      "state": "FL"
    },
    "federal_registration": null
  }
}