---
canonical_url: https://lendb.ai/lo/susan-simmons-1644779
json_url: https://lendb.ai/lo/susan-simmons-1644779.json
nmls_id: 1644779
last_verified: 2026-10-09
---

# Susan Simmons

Mortgage Banker Market Specialist at First Citizens Bank, Roanoke, VA. NMLS ID 1644779 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1644779)).

**Summary:** Susan Simmons (NMLS 1644779) is Mortgage Banker Market Specialist at First Citizens Bank, based in Roanoke, VA. Lists Virginia 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: Construction loan, FHA loan, First-time buyer, Jumbo loan and Physician and medical professional. 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.
- Licensed in: Virginia (VA, 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

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

## About

Susan is a native of Roanoke Valley with extensive background in lending, real estate, appraisal, taxation, and regulations. She holds an MBA from Averett University and is dedicated to helping diverse clients make the right loan choice.

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

## Facts from the lender page and intro

- years_experience: extensive background in lending. Source: https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons, verified 2026-10-09.
- education: BBA and MBA from Averett University. Source: https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons, verified 2026-10-09.
- service_area: Bedford, Botetourt, Craig, Floyd, Franklin, Montgomery, Roanoke counties in VA. Source: https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons, verified 2026-10-09.
- community: Oak Grove Church of the Brethren, Miss Virginia Organization, Margaret R. Baker Charitable Foundation, Multiple Sclerosis Alliance of Virginia, Veterans Affairs/Wounded Warrior Project, Square Society. Source: https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons, verified 2026-10-09.

## Licenses

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

## Employment history

- ? to present: First Citizens Bank (NMLS 503941), Roanoke, VA. Source: https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons, 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/1644779

## Contact

- linkedin_url: https://www.linkedin.com/in/susan-a-simmons (source: lender_site, verified 2026-10-09)
- View profile at First Citizens Bank: https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons
- Office phone and Email on file: shown at https://lendb.ai/lo/susan-simmons-1644779#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1644779
- lender_site: https://bankers.firstcitizens.com/mortgage/va/roanoke/susan-simmons

Cite as: Susan Simmons (NMLS 1644779), First Citizens Bank. LenDb.ai, https://lendb.ai/lo/susan-simmons-1644779, last verified 2026-10-09.

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