---
canonical_url: https://lendb.ai/lo/phillip-cunningham-659032
json_url: https://lendb.ai/lo/phillip-cunningham-659032.json
nmls_id: 659032
last_verified: 2026-10-10
---

# Phil Cunningham

Producing Branch Manager at Lower, Wilmington, NC. NMLS ID 659032 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/659032)).

**Summary:** 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 2026-10-10.

## At a glance

- Earliest state license record: May 20, 2016 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 30 (source: https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham, verified 2026-10-10)
- Licensed in: North Carolina (NC, lender_reported), South Carolina (SC, 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


## About

Has over three decades of mortgage experience in Southeastern North Carolina and has been based in Wilmington since 1987.

Source: LenDb summary of the lender page, verified 2026-10-10.

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham, verified 2026-10-10.
- service_area: Southeastern North Carolina. Source: https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham, verified 2026-10-10.
- education: BS in Finance, UNC Wilmington Cameron School of Business (1990). Source: https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham, verified 2026-10-10.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO35273 | expired | confirmed | 2016-05-20 | state_regulator | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-10 |

## Employment history

- ? to present: Lower (NMLS 1124061), Wilmington, NC. Source: https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham, verified 2026-10-10.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/659032

## Contact

- linkedin_url: https://www.linkedin.com/in/phil-cunningham/ (source: lender_site, verified 2026-10-10)
- View profile at Lower: https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham
- Email on file: shown at https://lendb.ai/lo/phillip-cunningham-659032#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/659032
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- lender_site: https://www.lower.com/loan-officers/north-carolina/wilmington/phil-cunningham

Cite as: Phil Cunningham (NMLS 659032), Lower. LenDb.ai, https://lendb.ai/lo/phillip-cunningham-659032, last verified 2026-10-10.

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