--- canonical_url: https://lendb.ai/lo/bill-duff-412444 json_url: https://lendb.ai/lo/bill-duff-412444.json nmls_id: 412444 last_verified: 2026-10-09 --- # Bill Duff Mortgage Banker at First Citizens Bank, Raleigh, NC. NMLS ID 412444 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/412444)). **Summary:** Bill Duff (NMLS 412444) is Mortgage Banker at First Citizens Bank, based in Raleigh, NC. Lists North Carolina, South Carolina, Tennessee and Virginia on the lender page (not yet checked with the state regulator). Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: Down payment assistance, Renovation loan (203k / HomeStyle), Construction loan, First-time buyer and Jumbo loan. Last verified 2026-10-09. ## At a glance - Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience. - Licensed in: North Carolina (NC, lender_reported), South Carolina (SC, lender_reported), Tennessee (TN, lender_reported), Virginia (VA, lender_reported) - Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS. - 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 - **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.36, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/bill-duff - **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.21, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/bill-duff - **Construction loan** (`construction`): lender page, confidence 0.16, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/bill-duff - **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/bill-duff - **Jumbo loan** (`jumbo`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/bill-duff - **Physician and medical professional** (`physician`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/bill-duff - **Self-employed** (`self-employed`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/bill-duff - **Vacation home** (`vacation-home`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/bill-duff ## About Since 2009, Bill has helped clients with home purchases, upsizing, and refinancing. He specializes in customized mortgage plans and serves all counties in NC, SC, TN, and VA. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - years_experience: since 2009. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/bill-duff, verified 2026-10-09. - other: Specializes in customized mortgage plans. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/bill-duff, verified 2026-10-09. - education: University of North Carolina at Chapel Hill. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/bill-duff, verified 2026-10-09. - community: Saint Michael's Church, The Alexander Family YMCA. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/bill-duff, verified 2026-10-09. - other: Highlands Residential Mortgage for 5 years. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/bill-duff, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | NC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | SC | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: First Citizens Bank (NMLS 503941), Raleigh, NC. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/bill-duff, 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/412444 ## Contact - linkedin_url: https://www.linkedin.com/in/bill-duff-iv-3862025/ (source: lender_site, verified 2026-10-09) - View profile at First Citizens Bank: https://bankers.firstcitizens.com/mortgage/nc/raleigh/bill-duff - Office phone and Email on file: shown at https://lendb.ai/lo/bill-duff-412444#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/412444 - lender_site: https://bankers.firstcitizens.com/mortgage/nc/raleigh/bill-duff Cite as: Bill Duff (NMLS 412444), First Citizens Bank. LenDb.ai, https://lendb.ai/lo/bill-duff-412444, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._