James Lott Photo

James Lott

Vice President


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

- Judith G
Extremely helpful and patient. Thank you so much for your help!

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
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