---
canonical_url: https://lendb.ai/lo/kristen-carmack-561148
json_url: https://lendb.ai/lo/kristen-carmack-561148.json
nmls_id: 561148
last_verified: 2026-10-09
---

# Kristen Carmack

Vice President, Mortgage Banker at First Citizens Bank, Raleigh, NC. NMLS ID 561148 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/561148)).

**Summary:** Kristen Carmack (NMLS 561148) is Vice President, 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: VA loan, USDA loan, Renovation loan (203k / HomeStyle), Construction loan and FHA loan. States 26 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): 26 (source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/kristen-carmack, 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

- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/kristen-carmack
- **USDA loan** (`usda`): lender page, confidence 0.39, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/kristen-carmack
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.21, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/kristen-carmack
- **Construction loan** (`construction`): lender page, confidence 0.16, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/kristen-carmack
- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/kristen-carmack
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/kristen-carmack
- **Jumbo loan** (`jumbo`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/kristen-carmack
- **Physician and medical professional** (`physician`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/kristen-carmack
- **Self-employed** (`self-employed`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/kristen-carmack
- **Vacation home** (`vacation-home`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/kristen-carmack

## About

Kristen graduated from UNC Chapel Hill with a degree in Economics. She has 26 years in banking and a mortgage banker since 2005, committed to excellent customer service and building long-term client relationships.

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

## Facts from the lender page and intro

- years_experience: 26. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/kristen-carmack, verified 2026-10-09.
- education: UNC Chapel Hill, BA Economics. Source: https://bankers.firstcitizens.com/mortgage/nc/raleigh/kristen-carmack, 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/kristen-carmack, 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/561148

## Contact

- View profile at First Citizens Bank: https://bankers.firstcitizens.com/mortgage/nc/raleigh/kristen-carmack
- Office phone and Email on file: shown at https://lendb.ai/lo/kristen-carmack-561148#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/561148
- lender_site: https://bankers.firstcitizens.com/mortgage/nc/raleigh/kristen-carmack

Cite as: Kristen Carmack (NMLS 561148), First Citizens Bank. LenDb.ai, https://lendb.ai/lo/kristen-carmack-561148, last verified 2026-10-09.

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