---
canonical_url: https://lendb.ai/lo/stan-carter-718966
json_url: https://lendb.ai/lo/stan-carter-718966.json
nmls_id: 718966
last_verified: 2026-10-09
---

# Stan Carter

Mortgage Banker at First Citizens Bank, Irmo, SC. NMLS ID 718966 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/718966)).

**Summary:** Stan Carter (NMLS 718966) is Mortgage Banker at First Citizens Bank, based in Irmo, SC. Lists Georgia, North Carolina and South 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: USDA loan, Renovation loan (203k / HomeStyle), Construction loan, FHA loan and Jumbo loan. States 45 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): 45 (source: https://bankers.firstcitizens.com/mortgage/sc/irmo/stan-carter, verified 2026-10-09)
- Licensed in: Georgia (GA, lender_reported), North Carolina (NC, lender_reported), South Carolina (SC, 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

- **USDA loan** (`usda`): lender page, confidence 0.39, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/irmo/stan-carter
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.21, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/irmo/stan-carter
- **Construction loan** (`construction`): lender page, confidence 0.16, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/irmo/stan-carter
- **FHA loan** (`fha`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/irmo/stan-carter
- **Jumbo loan** (`jumbo`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/irmo/stan-carter
- **Self-employed** (`self-employed`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/irmo/stan-carter
- **VA loan** (`va`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/irmo/stan-carter
- **Vacation home** (`vacation-home`): lender page, confidence 0.10, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/sc/irmo/stan-carter

## About

Stan has over 45 years in the financial industry and more than 40 years in mortgage banking. He focuses on educating customers and helping them find the right loan program to fit their needs.

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

## Facts from the lender page and intro

- years_experience: 45. Source: https://bankers.firstcitizens.com/mortgage/sc/irmo/stan-carter, verified 2026-10-09.
- years_experience: 40. Source: https://bankers.firstcitizens.com/mortgage/sc/irmo/stan-carter, verified 2026-10-09.
- education: Virginia Tech and East Tennessee State University - Engineering and Business Administration. Source: https://bankers.firstcitizens.com/mortgage/sc/irmo/stan-carter, verified 2026-10-09.
- service_area: Georgia, North Carolina, South Carolina. Source: https://bankers.firstcitizens.com/mortgage/sc/irmo/stan-carter, verified 2026-10-09.
- service_area: Originally from Bristol, VA. Source: https://bankers.firstcitizens.com/mortgage/sc/irmo/stan-carter, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: First Citizens Bank (NMLS 503941), Irmo, SC. Source: https://bankers.firstcitizens.com/mortgage/sc/irmo/stan-carter, 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/718966

## Contact

- View profile at First Citizens Bank: https://bankers.firstcitizens.com/mortgage/sc/irmo/stan-carter
- Office phone and Email on file: shown at https://lendb.ai/lo/stan-carter-718966#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/718966
- lender_site: https://bankers.firstcitizens.com/mortgage/sc/irmo/stan-carter

Cite as: Stan Carter (NMLS 718966), First Citizens Bank. LenDb.ai, https://lendb.ai/lo/stan-carter-718966, last verified 2026-10-09.

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