{
  "canonical_url": "https://lendb.ai/lo/david-smith-561166",
  "loan_officer": {
    "nmls_id": 561166,
    "slug": "david-smith-561166",
    "canonical_url": "https://lendb.ai/lo/david-smith-561166",
    "md_url": "https://lendb.ai/lo/david-smith-561166.md",
    "json_url": "https://lendb.ai/lo/david-smith-561166.json",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/561166",
    "full_name": {
      "value": "David Smith",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
      "verified_at": "2026-10-09"
    },
    "first_name": "David",
    "last_name": "Smith",
    "headshot_url": {
      "value": "https://dynl.mktgcdn.com/p/_BkwQZJeJRjr6Ci423FijR3TS70IhxtBTnvKAz5fQ1k/150x180.jpg",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
      "verified_at": "2026-10-09"
    },
    "bio": {
      "value": "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.",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
      "verified_at": "2026-10-09"
    },
    "title": {
      "value": "Mortgage Banker",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
      "verified_at": "2026-10-09"
    },
    "languages": {
      "value": [],
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
      "verified_at": "2026-10-09"
    },
    "years_licensed": null,
    "years_experience": null,
    "status": "active",
    "claimed": false,
    "claimed_at": null,
    "profile_completeness": 90,
    "current_employment": {
      "lender_nmls_id": 503941,
      "lender_name": "First Citizens Bank",
      "lender_slug": "first-citizens-bank-503941",
      "branch_city": "Wilmington",
      "branch_state": "NC",
      "branch_zip": "28403",
      "start_date": null,
      "end_date": null,
      "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
      "lender_type": "bank",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
      "verified_at": "2026-10-09"
    },
    "employment_history": [
      {
        "lender_nmls_id": 503941,
        "lender_name": "First Citizens Bank",
        "lender_slug": "first-citizens-bank-503941",
        "branch_city": "Wilmington",
        "branch_state": "NC",
        "branch_zip": "28403",
        "start_date": null,
        "end_date": null,
        "lender_profile_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
        "lender_type": "bank",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
        "verified_at": "2026-10-09"
      }
    ],
    "licenses": [],
    "specialties": [
      {
        "slug": "renovation",
        "label": "Renovation loan (203k / HomeStyle)",
        "evidence": "lender_page_text",
        "confidence": 0.21,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "construction",
        "label": "Construction loan",
        "evidence": "lender_page_text",
        "confidence": 0.16,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "fha",
        "label": "FHA loan",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "first-time-buyer",
        "label": "First-time buyer",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "jumbo",
        "label": "Jumbo loan",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "physician",
        "label": "Physician and medical professional",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "self-employed",
        "label": "Self-employed",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "va",
        "label": "VA loan",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
        "verified_at": "2026-10-09"
      },
      {
        "slug": "vacation-home",
        "label": "Vacation home",
        "evidence": "lender_page_text",
        "confidence": 0.1,
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
        "verified_at": "2026-10-09"
      }
    ],
    "contacts": [],
    "disciplinary_actions": [],
    "media": [],
    "facts": [
      {
        "kind": "years_experience",
        "value": "almost 20",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "education",
        "value": "Bachelor of Arts in Political Science from UNC-Greensboro",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "role",
        "value": "Worked at Anchor Financial Group for 4 years before First Citizens",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "community",
        "value": "Actively involved with Mortgage Bankers Association of the Lower Cape Fear, Wilmington Cape Fear Builders Association and Wilmington Chamber of Commerce",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "service_area",
        "value": "Brunswick, New Hanover, and Pender counties in North Carolina",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
        "verified_at": "2026-10-09"
      },
      {
        "kind": "other",
        "value": "Helped over 1,200 families achieve homeownership",
        "source": "lender_site",
        "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
        "verified_at": "2026-10-09"
      }
    ],
    "last_verified_at": "2026-10-09",
    "updated_at": "2026-10-10 09:39:56.891689+00",
    "disciplinary_check": "not_checked",
    "gated_contact": {
      "kinds": [
        "phone_office",
        "email"
      ],
      "reveal_url": "https://lendb.ai/lo/david-smith-561166#contact",
      "note": "Phone and email are shown on the profile page after a quick human check, one profile at a time. They are not available through the API or MCP. To reach this loan officer, open reveal_url or lender_profile_url.",
      "source": "lender_site",
      "source_url": "https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith",
      "verified_at": "2026-10-09"
    },
    "licensed_since": null,
    "federal_registration": {
      "status": "likely",
      "basis": "employer_type",
      "employer_type": "bank",
      "note": "Federally registered MLOs aren't state-licensed; verify at NMLS"
    }
  }
}