James Lott Photo

James Lott

Vice President


  • Chairman's Club
James Lott attended Regis University in Denver, Colorado where he studied business administration and finance. After obtaining his degree, he began his career in the consumer-packaged goods industry with the largest snack food brand where he was quickly promoted to a District Sales Leader.

After relocating to Arizona, James took his talents and went to work for the largest mortgage company in the country and quickly became a brand name within the mortgage industry by delivering a high level of client satisfaction. There he excelled and became a top-level Senior banker within the organization. Having helped hundreds of people refinance their homes, he knows the importance of helping each customer understand the loan process and simplify it as much as possible. Because of his extensive knowledge of available loan programs, James is a mortgage banker that can help with any mortgage situation. His goal with each customer is not only to be their banker today but also to provide a superior borrower experience to earn their business for life.

James was born and raised in Southern California, and now resides in Phoenix, Arizona. In his spare time, he is actively involved with his local community and church. He enjoys spending time with family and keeps busy with activities such as working out, hiking, and traveling abroad as often as possible.


Mr. James Lott was very professional and courteous. Anytime I had a question he promptly answered or found out the answer. He was great to work with.

- Antonio L
From start to finish, our banker, James Lott, explained every option so that we understood each step of the process. Mr. Lott made sure we got the best rate tailored to our financial needs. Communications was outstanding throughout his entire team. The team was always quick to respond to text, phone, and email messages, which increased our confidence in The Federal Savings Bank. James Lott and his team provided what I would consider world class customer service. Before I retired in 2015, I spent the better part of my working career in customer service in a management role. I know superior customer service and James Lott and his team are exactly the kind of people I would hire.

Enjoyed working with James Lott who has been consistent and reliable in completing his works on behalf of both customers and company.

No complaints and the process was well handled from beginning to end.

Our Loan Officer, James Lott was great to work with. Very responsive and attentive to our requests.

I liked the fact that everything was open and transparent with this bank and the team working for me. When a deadline, or ballpark deadline, was set it was always met. Communication and customer service was 100% to help make this refinancing smooth from start to finish.

- Cory C
I was highly impressed with James and his team. James communicated with me throughout the process and showed his professionalism through his knowledge and patience in addressing my questions. I am extremely happy with my overall experience!

- Desiree R
James was extremely helpful in getting me an outstanding rate and was exceptional on his follow through. Any time I had a question, if he didn't have the answer, he got back to me in a very timely manner. I definitely would work with him again.

- Diana R
Very satisfied with Mr. James Lott and his entire support staff. They went above and beyond for me in getting the loan approved, they were a good bunch all of them.

- Frank S
James Lott's knowledge of the loan process with VA Loans was exemplary. He will serve the company well and Federal Savings is fortunate to have him.

- James A
James Lott made the application process smooth and easy. He responded very promptly to my many emails and phone calls. The on-line tools were exceptional. I will share my very positive experience with others who plan to refinance.

- James M
James set the expectations and service we would receive at our initial phone call and he met everyone of them from start to finish. The communication, explanation, and follow up was truly impeccable. James did not miss a step or leave us wondering how our loan process was moving along. Even the Notary who came out to our house to sign the final documents commented on how reachable and how punctual James was. When a question came up on one of the documents we were to sign, James was right there on the phone to answer our questions and guide us in what to do. James made the whole process easy!

- Jarrod H
James Lott and his team were amazing!! We will continue to use him and refer everyone we know to him. James was very professional and accurate with educating us all the way through the process which went extremely well. Thank you so much!!

- Jeanette Z
James Lott and his team are great, you're lucky to have them!

- Jens C
James was very helpful and pleasant to work with throughout the process. I would highly recommend him to my friends.

- Jill H
James Lott is a professional in every way. Returned every phone called, answered every question.

- John J
Thanks James Lott and Molly Woods for making this a rather smooth process.

A seamless experience from start to end. We were kept informed throughout the process.

- Joseph S
James Lott was a pleasure to work with. He made the process very easy and answered all my questions. Thank you

- Judith G
James made the whole loan process very simple and very easy start to finish.

- Kevin W
James Lott and team was great. James has a lot of Aloha which made our transactions very comforting.

- Leopoldo S
James Lott is a true pro! I will make sure to let my friends and family know if they need a mortgage. Thank you James everything!

- Major H
I thought I would not be able to refi our VA loan, as my husband was military, and he is now deceased. After receiving many offers to refi under my husband's name, I received one from you with my name only. I didn't think I qualified, but I held onto it. I eventually reached out to James Lott, and explained the situation, but wanted to check just to be sure. James was so knowledgeable in this area that he told me he couldn't promise, but thought I would qualify. And he was right!!! So here I am, going through the refi process, and by myself for the first time in my life. I was nervous about it, to be honest, but James guided me through the process better than I could have imagined. James and his support team were there every step, and communicated often to let me know the status of the loan. I'm so thankful that I was able to take advantage of the VA offer, but am more thankful for James and everyone else to help me realize it was possible, and that they guided me through this entire experience. Thank you!

- Melody A
I think this was one of the best banking experiences I've ever had. From the initial phone call through the closing I can honestly say that James Lott is one of the best business professionals I've ever dealt with, Banker or otherwise. He handled every concern, answered every question, returned every call, and if he didn't have an answer he got it promptly. I wish my business banking and our personal banking could be handled as well as James and his team handled this. My wife and I have only good thoughts about James Lott, his team, and The Federal Savings Bank. Thank You!

- Michael C
James Lott made this the smoothest process I have ever been thru when buying or refinancing a home. I will be recommending him and FSB to my friends.

- Michael F
Extremely helpful and patient. Thank you so much for your help!

James Lott & Christopher Kellar were helpful at every juncture, in the mortgage "re-fi" process, exceeded only by their efforts!

- Nathan C
Mr. James Lott and his team employed excellent quality customer service. I have recommended family and friends.

- Patricia C
James and his whole team were great to work with!

Was a good experience Walked us through the whole process very satisfied

- Randall B
James Lott and his team are the best! They have a client for life. I will continue to refer new potential clients. The customer service, the communications and the process was simple. If I had questions, they were answered right away. Thank you.

- Randolph N
James was a great, helping us with each step, answering our questions promptly and explaining things that confused us. Each phone call ended with us feeling better about what was happening and to come, and James saying. "If there is anything that you want to talk about, please reach out." the nicest part that was we felt he meant it. Thank You James

- Richard W
Great service, an absolute pleasure to deal with

- Ricky C
Mr. Lott was prompt, knowledgeable, courteous, and attentive. Easily the best mortgage experience I have had in 40 yrs.

Both James and Anita did an outstanding job and helped me at all times!!!They should both be promoted and a hike in money!! You could not ask for two better people to continue your success in the future!! Thank you James and Anita!!!

I highly recommend James and his team. James is very professional and a pleasure to work with. James is the best he promptly returned every phone call and email I sent. Thanks to James Lott and his team, I've had one of the best experience refinancing at The Federal Savings Bank. James is honest, friendly, and informative. I would definitely recommend The Federal Savings Bank to anyone who's looking to refinance.

- Solivert J
The loan process went so smooth and was fast! Great customer service.

- Thomas N
Honestly. Had James Lott not been so knowledgeable and sincere, we may not have continued business with The Federal Savings Bank. His patience, explanations and integrity sealed the deal. The rest of the staff were very courteous, respectful and professional and just heightened the reputation of The Federal Savings Bank. Thank you again.

- Thomas S
Mr. Lott exceeded all my expectations and made this process extremely easy while working around my schedule. He definitely doesn't keep "bankers hours" as I can't count the number of times he was available in the evening or early morning when I was just sending an email to have it in the queue the next day. Outstanding service from him made this possible as I was a bit reluctant to refinance the mortgage due to all the hassle I had on my previous refinance.

- Travis G
I'm very thankful for the advise received all doubts where explained perfectly. Amazing people working there. Hopefully everything keeps running as smooth as all this process did. I could communicate at any moment and my questions where answer almost instantly. Thank you very much for the great teamwork.

- Vilma R
James was great to work with.