Cody Umstead, photo from The Federal Savings Bank

Cody Umstead

Junior Mortgage Banker at The Federal Savings Bank

NMLS ID 2664531 (opens in a new tab) · verify at NMLS Consumer Access

Cody Umstead (NMLS 2664531) is Junior Mortgage Banker at The Federal Savings Bank. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. The Federal Savings Bank also offers VA loan (a lender program, not confirmed as their own focus). States 10 years of experience.

Last verified . Sources: The Federal Savings Bank (thefederalsavingsbank.com) and NMLS Consumer Access (license status, check live).

Specialties

Focus

No focus listed on their lender page yet.

    Their lender offers

    VA loan. Programs The Federal Savings Bank offers (verified 2026-10-16). Lender-level: not confirmed as Cody's own focus, so ask.

    Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.

    Licensed states

    AKMEVTNHWAIDMTNDMNILWIMINYMARIORNVWYSDIAINOHPANJCTCAUTCONEMOKYWVVAMDDEAZNMKSARTNNCSCDCOKLAMSALGAHITXFL

    No license list on file yet. Check NMLS Consumer Access (opens in a new tab) for every state this person is licensed in.

    Likely federally registered: works at a bank. Federally registered MLOs aren't state-licensed; verify at NMLS (NMLS Consumer Access (opens in a new tab)).

    Contact

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    View profile at The Federal Savings Bank (opens in a new tab)

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    Employment history

    1. The Federal Savings Bank NMLS 411500

      Current · seen on lender site 2026-10-16

    Disciplinary history

    Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).

    About

    Cody Umstead has ten years of customer service experience. They work as a mortgage banker for The Federal Savings Bank. They previously ran their own business for five years.

    Our summary of the lender page. Verified 2026-10-16.

    Also
    Ran own business for five years before selling it
    Source (opens in a new tab), verified 2026-10-16
    Community
    Runs the Eila Elizibeth Umstead foundation with his wife, which helps families with medical and funeral expenses
    Source (opens in a new tab), verified 2026-10-16
    Community
    Active church goers involved in their community
    Source (opens in a new tab), verified 2026-10-16

    Sources

    Name and employerlender site · thefederalsavingsbank.com (opens in a new tab)verified 2026-10-16
    Lender programslender site · thefederalsavingsbank.com (opens in a new tab)verified 2026-10-16
    Summarylender site · thefederalsavingsbank.com (opens in a new tab)verified 2026-10-16
    Contactlender site · thefederalsavingsbank.com (opens in a new tab)verified 2026-10-16
    Photolender site · thefederalsavingsbank.com (opens in a new tab)verified 2026-10-16
    License statusNMLS Consumer Access (opens in a new tab)check live

    Also available as Markdown, JSON, or via the API.

    Cite as: Cody Umstead (NMLS 2664531), The Federal Savings Bank. LenDb.ai, https://lendb.ai/lo/cody-umstead-2664531, last verified 2026-10-16.

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