---
canonical_url: https://lendb.ai/lo/matthew-malone-1065601
json_url: https://lendb.ai/lo/matthew-malone-1065601.json
nmls_id: 1065601
last_verified: 2026-10-09
---

# Matthew Malone

Mortgage Banker at First Citizens Bank, Charlotte, NC. NMLS ID 1065601 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1065601)).

**Summary:** Matthew Malone (NMLS 1065601) is Mortgage Banker 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: Down payment assistance, FHA loan, First-time buyer, Jumbo loan and Physician and medical professional. States 20 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): 20 (source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/matthew-malone, 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

- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/matthew-malone
- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/matthew-malone
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/matthew-malone
- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/matthew-malone
- **Physician and medical professional** (`physician`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/matthew-malone
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/matthew-malone
- **Self-employed** (`self-employed`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/matthew-malone
- **Vacation home** (`vacation-home`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/matthew-malone

## About

Matthew has over 20 years in financial services including mortgage banking, financial advisory, and private banking. They hold a degree in Economics from SUNY Cortland and have served clients since relocating to Charlotte in 2003.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/matthew-malone, verified 2026-10-09.
- service_area: Cabarrus, Catawba SC, Gaston, Lancaster SC, Lincoln, Mecklenburg, Union, York SC. Source: https://bankers.firstcitizens.com/mortgage/nc/charlotte/matthew-malone, 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/matthew-malone, 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/1065601

## Contact

- View profile at First Citizens Bank: https://bankers.firstcitizens.com/mortgage/nc/charlotte/matthew-malone
- Office phone and Email on file: shown at https://lendb.ai/lo/matthew-malone-1065601#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1065601
- lender_site: https://bankers.firstcitizens.com/mortgage/nc/charlotte/matthew-malone

Cite as: Matthew Malone (NMLS 1065601), First Citizens Bank. LenDb.ai, https://lendb.ai/lo/matthew-malone-1065601, last verified 2026-10-09.

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