---
canonical_url: https://lendb.ai/lo/carolyn-s-macintosh-328205
json_url: https://lendb.ai/lo/carolyn-s-macintosh-328205.json
nmls_id: 328205
last_verified: 2026-10-09
---

# Carolyn S MacIntosh

Mortgage Banker at First Citizens Bank, Spartanburg, SC. NMLS ID 328205 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/328205)).

**Summary:** Carolyn S MacIntosh (NMLS 328205) is Mortgage Banker at First Citizens Bank, based in Spartanburg, SC. Lists South Carolina 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: USDA loan, Renovation loan (203k / HomeStyle), Construction loan, FHA loan and First-time buyer. States 25 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 25 (source: https://bankers.firstcitizens.com/mortgage/sc/spartanburg/carolyn-s-macintosh, verified 2026-10-09)
- Licensed in: South Carolina (SC, 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

- **USDA loan** (`usda`): lender page, confidence 0.39, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/spartanburg/carolyn-s-macintosh
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.21, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/spartanburg/carolyn-s-macintosh
- **Construction loan** (`construction`): lender page, confidence 0.16, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/spartanburg/carolyn-s-macintosh
- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/spartanburg/carolyn-s-macintosh
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/spartanburg/carolyn-s-macintosh
- **Jumbo loan** (`jumbo`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/spartanburg/carolyn-s-macintosh
- **Physician and medical professional** (`physician`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/spartanburg/carolyn-s-macintosh
- **Self-employed** (`self-employed`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/spartanburg/carolyn-s-macintosh
- **VA loan** (`va`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/spartanburg/carolyn-s-macintosh
- **Vacation home** (`vacation-home`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/spartanburg/carolyn-s-macintosh

## About

Carolyn has served the Spartanburg area for over 25 years in mortgage lending with expertise in loan processing, underwriting, and compliance. She has helped hundreds of clients achieve homeownership primarily in Spartanburg County and throughout the Upstate of SC.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 25. Source: https://bankers.firstcitizens.com/mortgage/sc/spartanburg/carolyn-s-macintosh, verified 2026-10-09.
- community: Devotes time to several local nonprofits. Source: https://bankers.firstcitizens.com/mortgage/sc/spartanburg/carolyn-s-macintosh, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| SC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: First Citizens Bank (NMLS 503941), Spartanburg, SC. Source: https://bankers.firstcitizens.com/mortgage/sc/spartanburg/carolyn-s-macintosh, 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/328205

## Contact

- linkedin_url: https://www.linkedin.com/in/carolynsmacintosh/ (source: lender_site, verified 2026-10-09)
- View profile at First Citizens Bank: https://bankers.firstcitizens.com/mortgage/sc/spartanburg/carolyn-s-macintosh
- Office phone and Email on file: shown at https://lendb.ai/lo/carolyn-s-macintosh-328205#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/328205
- lender_site: https://bankers.firstcitizens.com/mortgage/sc/spartanburg/carolyn-s-macintosh

Cite as: Carolyn S MacIntosh (NMLS 328205), First Citizens Bank. LenDb.ai, https://lendb.ai/lo/carolyn-s-macintosh-328205, last verified 2026-10-09.

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