Partner With the Bank,Not the Middleman

We are a federally chartered, FDIC-insured direct lender licensed in all 50 states. We underwrite the file, fund the loan, and cut the draws in-house. Whether you build homes or sell them, partnering with us means working with the people who actually make the decision.

Builders, Contractors & Dealers

  • We cut the draw checks. Your money does not sit with a third-party servicer.
  • One team, first call to final close, and on the next one after that.
  • A featured profile in our builder network and a direct line to a division vice president.

Real Estate Agents

  • Originate in all 50 states from day one. No state-by-state licensing required.
  • Earn on the sale and on the loan when you perform a share of the work on the file.
  • NMLS registration is required and we walk you through every step of it.
Start Your Partner Request ›

Every partnership starts here. This form routes you to a Division or Sr. Vice President who makes partnering and hiring decisions. Please apply rather than call. Calling will not reach the right person.

Federally Chartered Bank Member FDIC NMLS #411500 Licensed in All 50 States

How Do You Choose a Lender to Partner With?

Start with one question: does the lender make the decision, or pass your file to someone who does? A broker or correspondent shop sends your client's loan upstream, which means the terms, the timeline, and the answer on a tough file all come from a company you will never speak to. We underwrite in-house, fund in-house, and hold our own loan committee, so an exception gets decided by people you can reach.

Then ask how wide the lender's programs run. Most lenders are strong in one lane. If your client needs construction on an investment property, a second lien so they can keep a low first mortgage rate, an ITIN borrower, a physician file, or non-QM income, a narrow lender sends that deal back to you as a decline. We write construction, renovation, purchase, jumbo, manufactured, and modular across Conventional, FHA, VA, portfolio, ITIN, and non-QM, in all 50 states.

Last, ask what happens to you after the loan closes. Whether you build homes or sell them, your name is on the recommendation. We stay with the file through final close, we cut the draw checks ourselves, and the banker who started it is still the one answering the phone on your next deal.

For Builders, Contractors, and Dealers

Your reputation rides on the lender you point buyers toward. We fund the loan, cut the draws, and stay on the file until it closes, then do it again on the next one.

We cut the draw checks

Your money does not sit with a third-party servicer you have no relationship with. Draws come from the bank that made the loan.

No stacked admin fees

Brokers route files to correspondent lenders who add their own charges on top. We are the lender, so there is no layer to mark up.

One banker, start to finish

The banker who opened the file is the same one at final draw. Nobody gets handed to a stranger after closing.

A featured profile in our network

You get a profile page in our builder network, where our own borrowers looking for a builder in your market can find you.

Leads reach you immediately

When a buyer comes in for your area, you and your paired banker are notified right away. No queue, no waiting on a callback.

Options most lenders do not carry

Construction on primary, second home, and investment property, plus second lien renovation and ADU so a homeowner keeps their first mortgage rate.

Request a Builder Partnership ›

For Real Estate Agents

You already found the buyer, showed the homes, and wrote the offer. You can originate the loan too, in all 50 states, and earn on both sides of the file.

All 50 states from day one

We are a federally chartered bank, so our lending territory is national. You are not applying state by state and waiting on approvals to work a deal across a line.

No state-by-state licensing

Originators at a federally chartered bank register with NMLS instead of holding a separate license in every state. One registration, national reach.

Earn on the sale and the loan

You can be paid on both when you perform a share of the work on the loan file. Two income streams from a transaction you were already going to close.

Programs that save the deal

Construction, renovation, manufactured, ITIN, physician, non-QM, jumbo, and portfolio files that a narrow lender would decline. Fewer buyers walking away.

What the process actually involves. NMLS registration is required, which means a unique identifier, fingerprinting, and a background check. We walk you through every step of it. Dual compensation on a single transaction depends on your performing a documented share of the work on the loan, and the rules vary by state. A vice president will go through all of it with you before anything is signed, so you know exactly what you are agreeing to.

Request an Agent Partnership ›

What We Can Actually Write

A partnership is only worth as much as the files your lender can close. This is the range, and it is why hard deals stop coming back to you as declines.

Three Construction Structures

One-Time Close

Qualify once, close once. The loan converts automatically at completion with no re-qualification and no second appraisal. The permanent rate is set at that first closing.

Two-Time Close

Construction and permanent are separate closings, so the permanent rate is set at the end on the market at that time. We cover the origination fee on the second closing.

Hybrid Construction Loan

Built in-house. Both sets of documents are prepared upfront, so it runs like a single close with one set of fees, while the permanent rate stays flexible through completion.

Construction and Renovation

  • Up to $4.5 million on a construction file
  • Renovation and rehab on a purchase or a refinance
  • Second lien construction and renovation, so a homeowner keeps a low first mortgage rate
  • ADU financing on a primary residence
  • Primary, second home, and investment construction
  • FHA and VA streamline on the permanent loan in qualifying scenarios

Loan Types and Borrower Profiles

  • Conventional, FHA, USDA, and VA on purchase and refinance
  • Jumbo up to $10 million for higher balance files
  • Portfolio programs we hold ourselves, decided by our own loan committee
  • ITIN for borrowers without a Social Security number
  • Physician and non-QM for income that does not fit an agency box
  • Down payment assistance and first-time homebuyer programs

The Hybrid cannot be replicated by a broker or a correspondent lender. It only works when origination, underwriting, and draw management all happen under one roof, which is the difference between partnering with the bank and partnering with a middleman.

Program availability, loan amounts, rates, and terms depend on the borrower, the property, and credit qualification, and are subject to change. Not all borrowers will qualify for every program. Contact a banker for current terms and conditions.

Start Your Partner Request ›

We Lend on More Than 14 Property Styles

If your client is building or buying something other than a conventional stick-built house, you already know how that call with most lenders goes. We finance the styles that get declined elsewhere.

3D Printed ADU Barndominium Condo Earth Contact Foam Homes Insulated Concrete Form (ICF) Log & Timber Frame Manufactured Metal Kit Homes Modular Multifamily Stick Built Structural Insulated Panel (SIP) Tiny Homes, 400 sq ft and up Townhome

Eligibility depends on the property, the program, and the borrower. Ask a banker about a specific style before you count on it for a client.

Ask About Your Property Type ›

*$50,000

Extra Funds Your Client Can Access Before or After Closing

Qualified borrowers can access up to $50,000 in separate, unsecured funds, underwritten in-house at the same time as their mortgage. It does not depend on equity and it does not touch loan-to-value. We're not aware of any lenders in this space offering it, and for a partner it is often the difference between a deal that closes and one that stalls.

Why It Matters to You

It fixes a debt-to-income problem

Paying down revolving balances can improve a borrower's ratio, which in some scenarios is what makes them qualify for the loan at all. A buyer you were about to lose becomes a buyer who closes.

Upgrades stay in the contract

The better cabinets, the nicer kitchen, the finishes they wanted. Instead of cutting them to fit the budget, your client has a separate source of funds already approved.

Overages do not stall the build

Costs move and builds run long. Funds already in place mean a mid-build overage does not turn into a change order fight or a paused job site.

Add an ADU at the same time

If your client has the acreage, the funds can put a tiny home or ADU on the same property. Some use it for a relative, others to create a unit they can rent.

Finish a basement or spare space

Turning unfinished square footage into a separate living area gives your client the option of a renter, an in-law, or a returning adult child without moving.

The work outside the loan gets done

Landscaping, grading, fencing, a driveway, a patio, a workshop, or furnishing the finished home. Items that rarely make the construction budget and always cost more than expected.

*Up to $50,000 is available to qualified borrowers and can be applied across our loan programs. This is a separate unsecured consumer loan underwritten in-house at the same time as the mortgage. Proceeds cannot be used for a down payment. Approval, amount, rates, and terms depend on credit qualification and are not guaranteed. Contact a banker for applicable rates, terms, and conditions.

Start Your Partner Request ›

What Happens After You Submit

No queue, no call center, no waiting a week to hear whether anyone read it. Your request goes to the people who make the decision, the same day.

  • Your request is reviewed immediately

    It is not sitting in a general inbox. Someone reads it when it comes in and identifies which division it belongs to based on what you do and where you work.

  • It is routed the same day

    Your request goes to a division manager or the senior vice president who handles your type of partnership. That is the person with the authority to say yes, not someone who has to ask.

  • You are copied on the introduction

    You are carbon copied on the email that makes the introduction, so you can see exactly who has your request and reply directly instead of waiting for a callback.

  • You have the option to schedule a call

    From there you can book time to talk through the program, ask what you need to ask, and decide whether it makes sense. Builders, contractors, and dealers also start the process for a featured profile in our network.

Start Your Partner Request ›

Mortgage Brokers and Loan Officers

If you originate for a living, there are two versions of this conversation. One of them we cannot do. The other one we are actively looking for.

What We Cannot Do

Wholesale, referral fees, and affiliate arrangements

We do not offer wholesale relationships to brokers looking to send us business, and we have no wholesale division. Every loan we make is originated, underwritten, and funded in-house.

We also do not pay referral or affiliate fees for mortgage business. Not as a policy preference, but because paying for referrals of federally related mortgage loans is prohibited by law. Anyone offering it should give you pause.

What We Are Looking For

Producers who want to originate for the bank

We are hiring. If you have a proven track record and you are tired of sending files upstream and waiting on someone else's answer, this is the other side of the same coin.

You would originate the programs on this page directly, with in-house underwriting, our own loan committee for exceptions, and lending authority in all 50 states from day one. Book a confidential call with a Senior Vice President and skip the HR queue entirely.

See Careers & Book a Call ›

Start Your Partner Request

Tell us who you are, what you do, and where you work. It goes to a Division or Sr. Vice President the same day, and you are copied on the introduction.

Builders, contractors, and dealers start the featured profile process here. Real estate agents use this to begin the 50-state origination conversation. Mortgage brokers and loan officers use this to talk about joining us as a banker. Every path starts with the same form.

 

Partner Program Questions

The things people ask before they fill out the form.

Does it cost anything to become a preferred partner?

No. There is no fee to apply, no fee to be approved, and no fee to hold a featured profile in our builder network. We make money by making loans, not by charging our partners.

Do you pay referral fees for sending you business?

No, and neither should anyone else. Paying a fee for the referral of a federally related mortgage loan is prohibited under RESPA. If another lender offers to pay you for referrals, that is worth a hard look. What we offer instead is program depth, direct access to decision makers, and exposure to our own borrowers.

Do I have to send you all of my business?

No. There is no exclusivity requirement and no volume commitment. Most of our partners keep working with the lenders they already use. We ask for the files those lenders cannot close.

How long does approval take?

Your request is reviewed the day it comes in and routed to a Division or Senior Vice President who reaches out within 2 business days. How long the full approval takes after that depends on your profession and what you are applying for, which is what the first call covers.

What does a featured builder profile actually include?

A profile page in our builder network where our own borrowers searching for a builder in your market can find you. When a buyer comes in for your area, you and your paired banker are notified right away.

Can a real estate agent really originate loans in all 50 states?

Because we are a federally chartered bank, our lending territory is national, so you are not applying state by state. NMLS registration is still required, which means a unique identifier, fingerprinting, and a background check. We walk you through it.

Can I be paid on both the real estate side and the loan?

In qualifying scenarios, yes, when you perform a documented share of the work on the loan file. The rules vary by state, and a vice president goes through exactly how it applies to you before anything is signed.

I am a mortgage broker. Can I send you loans?

We have no wholesale division and do not accept brokered submissions. We are hiring, though. If you have a proven track record and want to originate directly for a bank with lending authority in all 50 states, submit the form and it goes to a vice president who makes hiring decisions.

Do you lend in my state?

Yes. We are licensed in all 50 states. Program availability and property eligibility can still vary by location and by loan type, so ask a banker about a specific scenario before you count on it for a client.

What if my client's property type is unusual?

Ask. We write more than 14 property styles including barndominium, log and timber, ICF, SIP, 3D printed, metal kit, earth contact, manufactured, modular, and tiny homes at 400 square feet and up. Eligibility depends on the property, the program, and the borrower.

Start Your Partner Request ›

THE FEDERAL SAVINGS BANK IS NOT AFFILIATED WITH OR ACTING ON BEHALF OF THE FHA, USDA, VA, OR THE FEDERAL GOVERNMENT.

*Subject to credit approval. Terms and conditions may apply. Property insurance is required on all loans secured by property.

*No SSN required. No credit pull. No risk. The info you share on this eligibility form is only used to check general eligibility against our banks loan programs — based on what you tell us. We never pull your credit (not even a soft pull), and we don’t ask for sensitive data like your Social Security number at this stage. Your information is never sold. If you decide to move forward, your banker will walk you through next steps and confirm before running any credit check. Until then, it’s 100% no-pressure, no-obligation.

*Messaging and Data Rates May Apply.

*VA eligibility is required for VA loan products. USDA loans are only available in USDA-eligible areas as designated by the USDA.

*Qualification for up to $50,000 extra is for qualified borrowers and can be applied to all loan programs. This is a separate unsecured consumer loan we will underwrite in-house at the same time as your requested mortgage loan. Please contact your banker to request this program and the applicable rates, terms, and conditions. Consumer unsecured lending programs prohibit loan proceeds from being used for down payment.

REALTOR® is a registered trademark of the National Association of Realtors and is not affiliated with NationwideHomeLoansGroup.com or The Federal Savings Bank.

†Subject to applicable law and lender approval, when represented by one of our participating real estate brokerage companies during the purchase or sale of a home or land, eligible Consumers may receive a rebate of up to thirty percent (30%) off of the fee to be received by the participating real estate brokerage company representing the respective Consumer, at closing, which rebate will be applied exclusively toward paying down that Consumer’s applicable closing costs. In no event shall any rebate be greater than the aggregate of all closing costs. Issuance of a rebate is subject to a participating real estate brokerage company’s receipt of its fee. The following states condition, or do not permit, the granting of a rebate by real estate brokerage companies (list is subject to change at any time): Alaska, Iowa, Kansas, Louisiana, Mississippi, Missouri, New Jersey, Oklahoma, Oregon, and Tennessee. No remuneration is paid to The Federal Savings Bank or to any of our Bankers. This is a free program offered exclusively by us to help our consumers save on their real estate transactions.

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