---
canonical_url: https://lendb.ai/lo/david-smith-561166
json_url: https://lendb.ai/lo/david-smith-561166.json
nmls_id: 561166
last_verified: 2026-10-09
---

# David Smith

Mortgage Banker at First Citizens Bank, Wilmington, NC. NMLS ID 561166 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/561166)).

**Summary:** 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 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: no license list on file; check NMLS Consumer Access
- 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

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

## 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.

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

## Facts from the lender page and intro

- years_experience: almost 20. Source: https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith, verified 2026-10-09.
- education: Bachelor of Arts in Political Science from UNC-Greensboro. Source: https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith, verified 2026-10-09.
- role: Worked at Anchor Financial Group for 4 years before First Citizens. Source: https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith, 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: https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith, verified 2026-10-09.
- service_area: Brunswick, New Hanover, and Pender counties in North Carolina. Source: https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith, verified 2026-10-09.
- other: Helped over 1,200 families achieve homeownership. Source: https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: First Citizens Bank (NMLS 503941), Wilmington, NC. Source: https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith, 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/561166

## Contact

- View profile at First Citizens Bank: https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith
- Office phone and Email on file: shown at https://lendb.ai/lo/david-smith-561166#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/561166
- lender_site: https://bankers.firstcitizens.com/mortgage/nc/wilmington/david-smith

Cite as: David Smith (NMLS 561166), First Citizens Bank. LenDb.ai, https://lendb.ai/lo/david-smith-561166, last verified 2026-10-09.

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