Ralph Cummings

Ralph Cummings
Sr Mortgage Loan Consultant

Capital Bank
3100 Edwards Mill Rd
Raleigh, NC 27612

Loan Types:

Travel Radius:
60 miles

Relevant Sites:


State License Numbers:
NC - I-161086

Service Area
About Me
Ralph is a Virginia native, hailing from the New River Valley where he grew up a Hokie Football fan! Although he attended Radford University and earned a Political Science degree with minors in Economics and French, his heart was always with the Virginia Tech Hokies in Blacksburg, Virginia. Even more so when he moved to Springfield MA in order to obtain his JD from Western New England School of Law. Ralph is now a resident of Apex NC where he lives with his wife Katherine and their beautiful 10 year-old daughter, as well as a disobediant couch-chewing chapstick-eating Rhodesian Ridgeback-mix rescue named Peachez, and a cranky Maine Coon cat named Cassie. He's been in the mortgage industry since 1998. In addition to working as a high volume closing attorney for a real estate law firm, he also obtained his Series 7, 63 and 65 and worked with American Express Financial Advisors. Afterward he moved into mortgage loan originations where he earned several sales awards. When Ralph and his family moved to Apex NC he transitioned into the operational side of banking, managing the secondary marketing, compliance, processing, closing and underwriting departments. His knowledge and expertise of how to get a loan closed, and on time, has been a great benefit to both his clients and referral partners. Ralph´s clients know and appreciate him as their trusted advisor. You will be in very good hands with him!