---
canonical_url: https://lendb.ai/lo/bill-herceg-22774
json_url: https://lendb.ai/lo/bill-herceg-22774.json
nmls_id: 22774
last_verified: 2026-10-16
---

# Bill Herceg

Vice President at The Federal Savings Bank, Ft Collins, CO. NMLS ID 22774 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/22774)).

**Summary:** Bill Herceg (NMLS 22774) is Vice President at The Federal Savings Bank, based in Ft Collins, CO. 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, Renovation loan (203k / HomeStyle) and FHA loan. The Federal Savings Bank also offers VA loan (a lender program, not confirmed as their own focus). Last verified 2026-10-16.

## 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.
- 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

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- **Construction loan** (`construction`): from their lender profile page, confidence 0.85, verified 2026-10-16. Source: https://www.thefederalsavingsbank.com/bankers/bill-herceg/
- **Renovation loan (203k / HomeStyle)** (`renovation`): from their lender profile page, confidence 0.80, verified 2026-10-16. Source: https://www.thefederalsavingsbank.com/bankers/bill-herceg/
- **FHA loan** (`fha`): from their lender profile page, confidence 0.60, verified 2026-10-16. Source: https://www.thefederalsavingsbank.com/bankers/bill-herceg/

### Their lender offers (lender level: The Federal Savings Bank's programs, not confirmed as this person's focus)

- **VA loan** (`va`): verified 2026-10-16. Source: https://www.thefederalsavingsbank.com/

## About

Bill Herceg has been in mortgage lending since 1998, working in both brokerage and banking. Their profile lists FHA 203k Specialist and Veteran Lending Specialist under recognition. They say they received a construction lending certification from The Federal Savings Bank.

Source: LenDb summary of the lender page, verified 2026-10-16.

## Facts from the lender page and intro

- years_experience: since 1998. Source: https://www.thefederalsavingsbank.com/bankers/bill-herceg/, verified 2026-10-16.
- education: Michigan State University, degree in Resource Development, minor in Business Administration. Source: https://www.thefederalsavingsbank.com/bankers/bill-herceg/, verified 2026-10-16.
- credential: FHA 203k Specialist. Source: https://www.thefederalsavingsbank.com/bankers/bill-herceg/, verified 2026-10-16.
- credential: Veteran Lending Specialist. Source: https://www.thefederalsavingsbank.com/bankers/bill-herceg/, verified 2026-10-16.
- community: Volunteers with the local Chapter of the International Mountain Biking Alliance. Source: https://www.thefederalsavingsbank.com/bankers/bill-herceg/, verified 2026-10-16.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: The Federal Savings Bank (NMLS 411500), Ft Collins, CO. Source: https://www.thefederalsavingsbank.com/bankers/bill-herceg/, verified 2026-10-16.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/22774

## Contact

- View profile at The Federal Savings Bank: https://www.thefederalsavingsbank.com/bankers/bill-herceg/
- Office phone and Email on file: shown at https://lendb.ai/lo/bill-herceg-22774#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/22774
- lender_site: https://www.thefederalsavingsbank.com/bankers/bill-herceg/
- lender_site (lender programs): https://www.thefederalsavingsbank.com/

Cite as: Bill Herceg (NMLS 22774), The Federal Savings Bank. LenDb.ai, https://lendb.ai/lo/bill-herceg-22774, last verified 2026-10-16.

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