David Smith
Mortgage Banker at First Citizens Bank · Wilmington, NC
NMLS ID 561166 (opens in a new tab) · verify at NMLS Consumer Access
David Smith (NMLS 561166) is Mortgage Banker at First Citizens Bank, based in Wilmington, NC. 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: Renovation loan (203k / HomeStyle), Construction loan, FHA loan, First-time buyer and Jumbo loan.
Last verified . Sources: First Citizens Bank (bankers.firstcitizens.com) and NMLS Consumer Access (license status, check live).
- Likely federally registered
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
- Renovation loan (203k / HomeStyle)lender page
- Construction loanlender page
- FHA loanlender page
- First-time buyerlender page
- Jumbo loanlender page
- Physician and medical professionallender page
- Self-employedlender page
- VA loanlender page
- Vacation homelender page
Where we saw these: bankers.firstcitizens.com (opens in a new tab)
Evidence levels, strongest first: production data, lender page, self-reported.
Languages
Not listed
Licensed states
No license list on file yet. Check NMLS Consumer Access (opens in a new tab) for every state this person is licensed in.
Likely federally registered: works at a bank. Federally registered MLOs aren't state-licensed; verify at NMLS (NMLS Consumer Access (opens in a new tab)).
Contact
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Employment history
First Citizens Bank NMLS 503941
Current · Wilmington, NC · seen on lender site 2026-10-09
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
David is a mortgage lending veteran of almost 20 years with First Citizens Bank. He graduated from UNC-Greensboro with a BA in Political Science and has helped over 1,200 families achieve homeownership.
Our summary of the lender page. Verified 2026-10-09.
- Education
- Bachelor of Arts in Political Science from UNC-Greensboro
- Source (opens in a new tab), verified 2026-10-09
- Role
- Worked at Anchor Financial Group for 4 years before First Citizens
- Source (opens in a new tab), verified 2026-10-09
- Community
- Actively involved with Mortgage Bankers Association of the Lower Cape Fear, Wilmington Cape Fear Builders Association and Wilmington Chamber of Commerce
- Source (opens in a new tab), verified 2026-10-09
- Serves
- Brunswick, New Hanover, and Pender counties in North Carolina
- Source (opens in a new tab), verified 2026-10-09
- Also
- Helped over 1,200 families achieve homeownership
- Source (opens in a new tab), verified 2026-10-09
Sources
| Name and employer | lender site · bankers.firstcitizens.com (opens in a new tab) | verified 2026-10-09 |
| Specialties | lender site · bankers.firstcitizens.com (opens in a new tab) | verified 2026-10-09 |
| Summary | lender site · bankers.firstcitizens.com (opens in a new tab) | verified 2026-10-09 |
| Contact | lender site · bankers.firstcitizens.com (opens in a new tab) | verified 2026-10-09 |
| Photo | lender site · bankers.firstcitizens.com (opens in a new tab) | verified 2026-10-09 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
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Cite as: David Smith (NMLS 561166), First Citizens Bank. LenDb.ai, https://lendb.ai/lo/david-smith-561166, last verified 2026-10-09.
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