---
canonical_url: https://lendb.ai/lo/roman-garner-iii-153677
json_url: https://lendb.ai/lo/roman-garner-iii-153677.json
nmls_id: 153677
last_verified: 2026-10-16
---

# Roman Garner III

Mortgage Banker at The Federal Savings Bank. NMLS ID 153677 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/153677)).

**Summary:** Roman Garner III (NMLS 153677) is 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. Focus areas shown on the lender page: Construction loan, HELOC and Reverse mortgage. The Federal Savings Bank also offers VA loan (a lender program, not confirmed as their own focus). States 13 years of experience. 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.
- Years experience (stated by the LO): 13 (source: https://www.thefederalsavingsbank.com/bankers/roman-garner-iii/, verified 2026-10-16)
- 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 0.90, verified 2026-10-16. Source: https://www.thefederalsavingsbank.com/bankers/roman-garner-iii/
- **HELOC** (`heloc`): from their lender profile page, confidence 0.90, verified 2026-10-16. Source: https://www.thefederalsavingsbank.com/bankers/roman-garner-iii/
- **Reverse mortgage** (`reverse`): from their lender profile page, confidence 0.90, verified 2026-10-16. Source: https://www.thefederalsavingsbank.com/bankers/roman-garner-iii/

### 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/

## Facts from the lender page and intro

- years_experience: 13. Source: https://www.thefederalsavingsbank.com/bankers/roman-garner-iii/, verified 2026-10-16.
- education: Winthrop University, four-year accounting degree. Source: https://www.thefederalsavingsbank.com/bankers/roman-garner-iii/, verified 2026-10-16.
- education: Advanced training with the Office of the Comptroller of the Currency. Source: https://www.thefederalsavingsbank.com/bankers/roman-garner-iii/, verified 2026-10-16.
- other: Began federal finance career as a Financial Management Trainee at the Charleston Naval Base, later Audit Supervisor in the Vendor Contracts Division. Source: https://www.thefederalsavingsbank.com/bankers/roman-garner-iii/, verified 2026-10-16.
- community: Advocates for autism awareness, with local and national associations. Source: https://www.thefederalsavingsbank.com/bankers/roman-garner-iii/, verified 2026-10-16.

## Licenses

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

## Employment history

- ? to present: The Federal Savings Bank (NMLS 411500). Source: https://www.thefederalsavingsbank.com/bankers/roman-garner-iii/, 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/153677

## Contact

- View profile at The Federal Savings Bank: https://www.thefederalsavingsbank.com/bankers/roman-garner-iii/
- Office phone and Email on file: shown at https://lendb.ai/lo/roman-garner-iii-153677#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/153677
- lender_site: https://www.thefederalsavingsbank.com/bankers/roman-garner-iii/
- lender_site (lender programs): https://www.thefederalsavingsbank.com/

Cite as: Roman Garner III (NMLS 153677), The Federal Savings Bank. LenDb.ai, https://lendb.ai/lo/roman-garner-iii-153677, last verified 2026-10-16.

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