---
canonical_url: https://lendb.ai/lo/joe-cavanaugh-704351
json_url: https://lendb.ai/lo/joe-cavanaugh-704351.json
nmls_id: 704351
last_verified: 2026-10-09
---

# Joe Cavanaugh

Mortgage Banker at First Citizens Bank, Raleigh, NC. NMLS ID 704351 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/704351)).

**Summary:** Joe Cavanaugh (NMLS 704351) is Mortgage Banker at First Citizens Bank, based in Raleigh, NC. Lists North 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: Down payment assistance, FHA loan, First-time buyer and VA loan. States 30 years of experience. 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.
- Years experience (stated by the LO): 30 (source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh, verified 2026-10-09)
- Licensed in: North Carolina (NC, 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.36, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh
- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh
- **VA loan** (`va`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh

## About

With over 30 years in the mortgage industry, Joe delivers reliable guidance and has helped thousands of clients from first-time buyers to investors. He is committed to integrity, clear communication, and tailored lending solutions.

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

## Facts from the lender page and intro

- years_experience: 30. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh, verified 2026-10-09.
- credential: Dedicated loan officer known for delivering reliable guidance and exceptional results. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: First Citizens Bank (NMLS 503941), Raleigh, NC. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh, 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/704351

## Contact

- View profile at First Citizens Bank: https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh
- Email on file: shown at https://lendb.ai/lo/joe-cavanaugh-704351#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/704351
- lender_site: https://bankers.firstcitizens.com/mortgage/nc/raleigh/joe-cavanaugh

Cite as: Joe Cavanaugh (NMLS 704351), First Citizens Bank. LenDb.ai, https://lendb.ai/lo/joe-cavanaugh-704351, last verified 2026-10-09.

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