Rachel Davies, photo from The Federal Savings Bank

Rachel Davies

Mortgage Banker at The Federal Savings Bank

NMLS ID 278324 (opens in a new tab) · verify at NMLS Consumer Access

Rachel Davies (NMLS 278324) is Mortgage Banker at The Federal Savings Bank. Licensed in Florida, confirmed with the state regulator (license LO150775). 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). Earliest state license record: September 8, 2026 (Florida), per state regulator. States 20 years of experience.

Last verified . Sources: The Federal Savings Bank (thefederalsavingsbank.com), Florida state regulator 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 Rachel'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

    Florida

    ✓ Confirmed with the state regulator: FL (opens in a new tab) (LO150775, first effective 2026-09-08), verified 2026-10-15.

    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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    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

    Education
    University of Utah, degree in business and Spanish, 2002
    Source (opens in a new tab), verified 2026-10-16
    Role
    former processor and underwriter before becoming a loan officer
    Source (opens in a new tab), verified 2026-10-16
    Community
    local cancer community, PTA and school community councils; teen suicide prevention
    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
    Licenses (regulator)state regulator · real.flofr.com (opens in a new tab)verified 2026-10-15
    Lender programslender 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: Rachel Davies (NMLS 278324), The Federal Savings Bank. LenDb.ai, https://lendb.ai/lo/rachel-davies-278324, last verified 2026-10-16.

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