---
canonical_url: https://lendb.ai/lo/veronica-montoto-280067
json_url: https://lendb.ai/lo/veronica-montoto-280067.json
nmls_id: 280067
last_verified: 2026-10-16
---

# Veronica Montoto

Vice President at The Federal Savings Bank. NMLS ID 280067 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/280067)).

**Summary:** Veronica Montoto (NMLS 280067) is Vice President 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 20 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): 20 (source: https://www.thefederalsavingsbank.com/bankers/veronica-montoto/, 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)

- None on file yet.

### 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

Veronica Montoto is a Vice President with more than 20 years in the mortgage business and joined the bank in August 2025. They have focused on community reinvestment involvement over the last decade and were nominated for a 2024 IMBA Best in the Biz Award. They help clients buy a first, second, or investment property.

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

## Facts from the lender page and intro

- years_experience: 20. Source: https://www.thefederalsavingsbank.com/bankers/veronica-montoto/, verified 2026-10-16.
- credential: Nominated for 2024 IMBA Best in the Biz Award, Best Specialty Lending Loan Officer category. Source: https://www.thefederalsavingsbank.com/bankers/veronica-montoto/, verified 2026-10-16.
- community: Community reinvestment involvement, focused on over the last 10 years. Source: https://www.thefederalsavingsbank.com/bankers/veronica-montoto/, verified 2026-10-16.
- other: Joined The Federal Savings Bank in August 2025. Source: https://www.thefederalsavingsbank.com/bankers/veronica-montoto/, 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/veronica-montoto/, 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/280067

## Contact

- View profile at The Federal Savings Bank: https://www.thefederalsavingsbank.com/bankers/veronica-montoto/
- Office phone and Email on file: shown at https://lendb.ai/lo/veronica-montoto-280067#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/280067
- lender_site: https://www.thefederalsavingsbank.com/bankers/veronica-montoto/
- lender_site (lender programs): https://www.thefederalsavingsbank.com/

Cite as: Veronica Montoto (NMLS 280067), The Federal Savings Bank. LenDb.ai, https://lendb.ai/lo/veronica-montoto-280067, last verified 2026-10-16.

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