---
canonical_url: https://lendb.ai/lo/hilary-byrde-1157843
json_url: https://lendb.ai/lo/hilary-byrde-1157843.json
nmls_id: 1157843
last_verified: 2026-10-09
---

# Hilary Byrde

Mortgage Banker Market Specialist at First Citizens Bank, San Mateo, CA. NMLS ID 1157843 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1157843)).

**Summary:** Hilary Byrde (NMLS 1157843) is Mortgage Banker Market Specialist at First Citizens Bank, based in San Mateo, CA. 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: Real estate investor, Down payment assistance, FHA loan, Self-employed and Vacation home. 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

- **Real estate investor** (`investor`): lender page, confidence 0.90, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/san-mateo/hilary-byrde
- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/san-mateo/hilary-byrde
- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/san-mateo/hilary-byrde
- **Self-employed** (`self-employed`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/san-mateo/hilary-byrde
- **Vacation home** (`vacation-home`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/san-mateo/hilary-byrde

## About

Hilary specializes in down payment assistance programs, first-time homebuyer grants, and affordable housing. They work with second homes and investment properties, partnering with realtors and nonprofits to help clients achieve homeownership.

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

## Facts from the lender page and intro

- education: San Francisco State University. Source: https://bankers.firstcitizens.com/mortgage/ca/san-mateo/hilary-byrde, verified 2026-10-09.
- community: Involved with HomeownershipSF. Source: https://bankers.firstcitizens.com/mortgage/ca/san-mateo/hilary-byrde, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: First Citizens Bank (NMLS 503941), San Mateo, CA. Source: https://bankers.firstcitizens.com/mortgage/ca/san-mateo/hilary-byrde, 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/1157843

## Contact

- View profile at First Citizens Bank: https://bankers.firstcitizens.com/mortgage/ca/san-mateo/hilary-byrde
- Office phone and Email on file: shown at https://lendb.ai/lo/hilary-byrde-1157843#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1157843
- lender_site: https://bankers.firstcitizens.com/mortgage/ca/san-mateo/hilary-byrde

Cite as: Hilary Byrde (NMLS 1157843), First Citizens Bank. LenDb.ai, https://lendb.ai/lo/hilary-byrde-1157843, last verified 2026-10-09.

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