---
canonical_url: https://lendb.ai/lo/karen-hunter-245419
json_url: https://lendb.ai/lo/karen-hunter-245419.json
nmls_id: 245419
last_verified: 2026-10-09
---

# Karen Hunter

Loan Officer at First Citizens Bank, Charlotte, NC. NMLS ID 245419 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/245419)).

**Summary:** Karen Hunter (NMLS 245419) is Loan Officer at First Citizens Bank, based in Charlotte, 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: USDA loan, Down payment assistance, Renovation loan (203k / HomeStyle), Construction loan and FHA loan. States 30 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 30 (source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/karen-hunter, verified 2026-10-09)
- 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

- **USDA loan** (`usda`): lender page, confidence 0.39, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/karen-hunter
- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.36, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/karen-hunter
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.21, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/karen-hunter
- **Construction loan** (`construction`): lender page, confidence 0.16, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/karen-hunter
- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/karen-hunter
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/karen-hunter
- **Jumbo loan** (`jumbo`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/karen-hunter
- **Physician and medical professional** (`physician`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/karen-hunter
- **Self-employed** (`self-employed`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/karen-hunter
- **VA loan** (`va`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/karen-hunter
- **Vacation home** (`vacation-home`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/karen-hunter

## About

Karen has 30+ years in mortgage banking. Born and raised in Northern Ohio and living in North Carolina for 20 years, she has helped hundreds of clients with purchases, refinances, and construction loans.

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/charlotte/karen-hunter, verified 2026-10-09.
- education: Marketing degree from The Ohio State University. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/karen-hunter, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: First Citizens Bank (NMLS 503941), Charlotte, NC. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/karen-hunter, 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/245419

## Contact

- View profile at First Citizens Bank: https://bankers.firstcitizens.com/mortgage/nc/charlotte/karen-hunter
- Email on file: shown at https://lendb.ai/lo/karen-hunter-245419#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/245419
- lender_site: https://bankers.firstcitizens.com/mortgage/nc/charlotte/karen-hunter

Cite as: Karen Hunter (NMLS 245419), First Citizens Bank. LenDb.ai, https://lendb.ai/lo/karen-hunter-245419, last verified 2026-10-09.

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