A Wholesale Lender Invested in You

A partnership with Franklin American Mortgage Wholesale Lending is built on a foundation of trust and mutual interest in our most important asset – our customers.

It’s more than experience. It’s helping our partners achieve their goals.

Franklin American Mortgage Company is committed to providing customer service and support that is unmatched in the industry. As part of the Citizens Bank family, we are the nation’s largest bank-owned wholesale lender. This gives us financial strength and security you can count on, as well as the resources we need to continue growing and evolving our capabilities. 

We understand the personal side of every transaction and the need to promptly communicate with our customers. We give you complete access to our underwriters, closers, support staff – or anyone needed to help close the loan. To better serve your processing needs, we have regional operations centers located in Franklin, TN and Irving, TX. This level of customer service and access is what sets us apart from our competition –  it’s why we are a top-10 mortgage origination and servicing company* and one of the most trusted names in the industry.

Franklin American Mortgage Wholesale Lending offers a wide variety of comprehensive training materials, video, and instruction for streamlining the loan approval process, originating government loans, and navigating regulatory changes such as RESPA, MDIA, and TRID.

*Inside Mortgage Finance, 2018

Become An Approved Customer

Mortgage
Broker

We’re committed to offering the tools you need to come out ahead in today’s competitive market. We invest in your success through our: 

  • Competitive and consistent pricing and compensation
  • Wide-range of product offerings and loan options
  • Industry-leading technology
  • Comprehensive training
  • Closing Disclosure can be delivered up to four business days prior to the Closing/Note date
  • Customer-driven and proactive operations staff
  • Unparalleled customer service

 

New Application (PDF)

For new submissions and entities previously approved with Citizens Bank in an inactive status for twelve or more months.

Reactivation (PDF)

For entities previously approved with Citizens Bank and have been inactive for less than twelve months.

Emerging Mortgage Banker

Our EMB program is designed for customers with a warehouse line who want to close and fund loans in their own name. We offer:

  • Loan funding without investor prior approval
  • Pricing flexibility
  • Increased processing efficiency with control of initial disclosure process
  • Alleviated underwriting risk
  • Managed appraisal process (subject to prior approval)
  • Option to use FAMC closing department or an approved vendor of choice for closing docs
  • Referrals to warehouse lender partners

 

New Application (PDF)

For new submissions and entities previously approved with Citizens Bank in an inactive status for twelve or more months.

Reactivation (PDF)

For entities previously approved with Citizens Bank and have been inactive for less than twelve months.

The Right Loan Makes All the Difference

Online Services

In keeping with our focus on customer service, we designed our website with all the intangibles needed to service our clients at the highest level.

With the widespread availability of LPA and DO, we realize there are many options available to run loans through an automated underwriting engine. For this reason, we accept automated underwriting findings from DU, DO, LPA, and our own AUS portal. 

Online Offerings
  • Real-time Pricing Engine and Lock Confirmations
  • Daily and Archived Rate Sheets
  • Loan Status and Pipeline Management
  • Lending Guide and Downloadable Forms
  • Help Desk Support
  • Q.systems – Our integrated online portal provides easy access and simplifies tasks associated with your loan pipeline, documentation and more!
    • Q.disclosures – Create TRID-compliant disclosures
    • Q.AUS – AUS suite w/DU file upload & real-time updates
    • Q.image – Upload files and conditions
    • Q.stats – View your loan pipeline on any mobile device
    • Q.docs – Order closing documents
Products
  • Fannie Mae/Freddie Mac Fixed
  • Fannie Mae/Freddie Mac ARM
  • FHA Fixed
  • VA Fixed
  • USDA
  • Jumbo Fixed

Services

  • Fast and Friendly Customer Service with Immediate Attention to Broker Needs
  • Competitive, Consistent Pricing
  • Expertise in Underwriting
  • Closing and Funding Efficiency
  • Operations Staff Support

Industry Recognition

Hear from Our Partners

I take great pride in the fact that I have never been unable to close a loan if I tell somebody I can in my 15 years in this business. Franklin American Mortgage is the only company I feel that can provide me with that level of comfort!

Bob C.
Mortgage Originator

Wholesale Resources

Technical Support: 877-562-6118
Wholesale Lock Desk:  800-295-1020