FCI Lender Services

What FCI Lender Services does

FCI Lender Services, Inc. is a national third-party loan servicer headquartered in Anaheim Hills, California, specializing in private money and non-qualified mortgage (Non-QM) loans since 1982 (formerly Foreclosure Consultants, Inc., rebranded in 2007). The company services over 104,000 mortgage loans with $48.7B in aggregate unpaid principal balance as of FY 25-26 (June 2026) for over 7,900 individual investor/lender customers across private money lenders, hedge funds, investment companies, non-QM lenders, brokers, banks, credit unions, and mortgage fund managers. It operates across all 50 states under NMLS #4920 and holds Freddie Mac licensing, SOC 1/SOC 2/MBA USAP certifications, and a Morningstar servicer rating since 2012.

The core technology stack is a proprietary loan servicing platform developed in collaboration with Centurion Software since 2012, augmented by a first-of-its-kind 24/7 live customer login (2004), full bidirectional API connectivity (2020), and the Private Financial Cloud — a patent-pending blockchain environment using IPFS, Smart Contracts, Parachains, and cNFTs for immutable servicing records, encrypted document sharing, and quantum-resistant encryption. AI-driven servicing functions (loan boarding, document classification, payment application, correspondent generation) operate inside the closed system, with all decisions subject to human review. Product lines are modular: Standard Basic, High Touch Performing, Specialty (non-performing), Securitization, Backup (Hot/Cold), Fund Administration, Foreclosure Support, and REO Management Coordination.

Revenue is generated on a per-loan-per-month subscription basis ($20-$95/loan/month depending on tier and complexity), plus 25 basis points annually for securitization servicing ($4,500/month portfolio minimum), BPS-based backup servicing fees, late-fee sharing (15-50% depending on loan size), and ancillary income. The go-to-market is sales-led direct, supplemented by industry-association referral networks (AAPL, NAMB, MBA, CMA) and a channel of strategic partners including Armanino McKenna, California TD Specialists, and MERS. The company remains privately held and family-led under President & CEO Michael Griffith and Executive Director Timothy Griffith, with reported headcount in the 180-500 range depending on the source.

Name

FCI Lender Services

Legal name

FCI Lender Services, Inc.

Website

https://myfci.com

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

251–500 employees

Short description

FCI Lender Services is a national third-party specialty servicer for private money and Non-QM mortgage loans, servicing 104,000+ loans with $48.7B aggregate UPB across all 50 states for 7,900+ lenders, funds, banks, and credit unions via proprietary software, full API connectivity, and a patent-pending blockchain platform.

Ownership category

akta.pro rank

Product category

Specialty Loan Servicing

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Portfolio Management and Investment Advice (523940)

SIC

Mortgage Bankers & Loan Correspondents (6162), Asset-Backed Securities (6189)

akta.pro primary industry

Non-Agency (Jumbo/Non-QM) Mortgage Servicing (FSALAEAB)

akta.pro secondary industries

Securitization Administration & Deal Services (Trustee, Custodian, Paying Agent) (FSALAFAK), Master Servicing (Private-Label/MBS Oversight & Investor Reporting) (FSALAEAE)

Keywords

• Private money lending
• Loan servicing
• Non-QM mortgages
• Securitization servicing
• Fund administration

Headquarters

HQ city

Anaheim

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Loan Servicing Fees - Standard Basic: Monthly payment processing fee for performing loans (current, 1-2 months delinquent, or newly originated private money loans). Fee scales based on loan amount from $20/loan/month for loans up to $400K, with additional charges for ARM/HELOC loans, NY loans, escrow services, and covered loan compliance.
2. Loan Servicing Fees - High Touch Performing: Enhanced servicing with outgoing collection calls plus all Standard Basic features. Monthly fee of $35/loan/month for loans up to $400K with no additional charge for covered loan compliance.
3. Loan Servicing Fees - Specialty Full Collection: Monthly fee for non-performing loans (missed 3rd payment or more) at $95/loan/month for loans up to $1M. Includes skip trace, collection, foreclosure prevention alternative workouts, loan modifications, and foreclosure support.
4. Securitization Servicing Fees: Extended servicing including payment processing, escrow administration, insurance oversight, protective loan advances, and strategic loss mitigation for rated and private securitizations. Fee at 25 BPS per year/12 for performing loans, with minimum portfolio servicing fee of $4,500/month.
5. Backup Loan Servicing Fees: Monthly fee for holding servicing data from primary servicer with two tiers: Cold (monthly backup) at 3 BPS/year/12 with $1,500 minimum, and Hot (daily backup) at 5 BPS/year/12 with $2,500 minimum.
6. Fund Administration Fees: Fund administration services for mortgage fund managers including individual logins for unlimited fund stakeholders, providing real-time fund information from FCI's loan and fund servicing platforms.
7. Late Fee Collection: FCI is entitled to 50% of paid late charges on loans to $500K, 25% on loans $500K to $2M, and 15% on loans over $2M.
8. Ancillary Income: FCI is entitled to all ancillary income paid with respect to the loans. Ancillary Income excludes prepayment penalties, yield maintenance charges, default interest, and extension fees.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

FCI Lender Services is a specialty loan servicing company that provides outsourced, third-party servicing for private money and non-QM mortgage loans on behalf of lenders, brokers, hedge funds, investment companies, banks, credit unions, and mortgage fund managers. Core service lines include payment processing, escrow administration, collections, foreclosure/REO support, backup and hot/cold servicing, securitization servicing, and fund administration, all delivered through proprietary software with full API connectivity and blockchain-backed immutable recordkeeping. The company is licensed in all 50 states and operates as a Non-QM Securitization Servicer, paying $25.2B+ to investors on a portfolio of 104,000+ loans ($48.7B UPB) as of FY25-26.

Product overview

FCI Lender Services is a national non-QM and private money loan servicer offering a modular platform of loan servicing products. The core offerings include Standard Basic Loan Servicing for performing loans, High Touch Performing Loan Servicing (add-on with collection calls), Specialty Loan Servicing for non-performing loans, and Securitization Servicing & Full Servicing for rated securitizations. Supporting modules include Backup Loan Servicing (hot/cold disaster recovery), Fund Administration, Foreclosure Support, REO Management Coordination, Boarding Tracker, Live Customer Login, and Payoff Request System. These products are unified by the Private Financial Cloud platform which provides API connectivity, blockchain-based record-keeping, and AI-driven servicing functions. The company services over 104,000 mortgage loans with $48.7 billion aggregate unpaid principal balance across all 50 states.

Differentiator

Problem solved

Functional benefit

Products and services

• Standard Basic Loan Servicing High quality structured program for servicing performing loans (current, 1 or 2 months behind) and newly originated private money loans. Primarily a payment processing program including late notices; excludes collection calls and loss mitigation except as required for regulatory compliance. Priced at $20/loan/month for loans up to $400K, scaling with loan size with add-on fees for ARM/HELOC, NY loans, and escrow.
• High Touch Performing Loan Servicing Enhanced servicing tier that includes all Standard Basic features plus outgoing collection calls to borrowers to help them stay current on loans, plus regulatory compliance actions for Covered Loans (Dodd Frank: Primary Residence) at no additional servicing fee. Priced at $35/loan/month (or $20/lender if greater) for loans up to $400K.
• Specialty Loan Servicing (Full Collection) Program specifically designed for non-performing loans (missed 3rd payment) by facilitating loan restructure per lender directions, presenting foreclosure prevention alternatives, or providing foreclosure support. Includes skip trace, collection, foreclosure prevention workouts, loan modifications, and foreclosure support. Priced at $95/loan/month for loans up to $1M, plus $20 per $M for loans over $1M; no additional charge for ARM/HELOC or escrow.
• Securitization Servicing & Full Servicing Extended servicing for rated and private securitizations of non-QM loans including payment processing, escrow administration, insurance oversight, protective loan advances, and strategic loss mitigation. Covers business purpose, fix & flip, RTL, draw, bridge, DSCR, and construction loans. Priced at 25 BPS per year/12 for performing loans; minimum portfolio servicing fee $4,500/month.
• Backup Loan Servicing (Hot and Cold) Backup servicer holding servicing data from primary licensed third-party servicer. HOT Backup: daily data sync, immediate takeover, 5 BPS/year/12 with $2,500 minimum monthly fee, $35/loan activation boarding fee. COLD Backup: monthly sync, takeover within 15 days, 3 BPS/year/12 with $1,500 minimum monthly fee. Initial portfolio review: $1,500 (free for active FCI clients).
• Fund Administration Fund administration services for mortgage fund managers combining 20+ years of experience with proprietary fund and loan servicing technology and institutional-grade controls. Offers free individual logins for unlimited fund stakeholders including fund managers, partners, and CPA firms, providing real-time loan and fund information directly from FCI's servicing platforms.
• Private Financial Cloud Next-generation digital infrastructure designed to securely store loan origination and servicing records, memorialized on a private blockchain. Features include API integration, decentralized verifiable network with real-time immutable records, encrypted document sharing, zero-trust architecture, quantum-resistant encryption, and AI-driven servicing functions. Functions as the unified platform underlying all of FCI's servicing programs.
• Foreclosure Support National foreclosure support including California 1st position owner-occupied judicial foreclosure actions by supplying information to lender's selected attorney and tracking foreclosure process progress. California non-judicial foreclosure services are provided through California TD Specialists. Available as a stand-alone service.
• REO Management Coordination Coordination with lender's chosen REO services provider to provide loan and property information. FCI coordinates but does not directly provide REO services; coordinates property management, valuation, and sale services through lender's selected provider. Priced at 1% of sales price with $1,000 minimum.

Quantifiable outcome

• Over 104,000 mortgage loans serviced with $48.7 billion aggregate Unpaid Principal Balance as of June 2026
• +4 more outcomes

Named customers9 records

Segments5 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability5 records

Feature6 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• American Association of Private Lenders (AAPL)coreStrategic or Co-development PartnerAAPL is the gold standard for the private lending profession providing value-added information, tools, resources, national seminars, lender discussion forum, due diligence resources, fraud prevention resources, regulatory resources, portfolio management resources, and broker loan submission modules.
• Armanino McKenna LLPcoreImplementation/ SI/ Consulting PartnerLargest California-based CPA firm, one of top 50 in US, providing accounting and consulting services for over 50 years. Firm provides services to more California Mortgage Pool clients than any other firm in the state with specialized mortgage pool accounting and consulting department.
• California Mortgage AssociationcoreStrategic or Co-development PartnerCMA represents California licensed mortgage brokers, lenders, and affiliated service providers who furnish mortgage loan services to California residents wishing to borrow on their property and other Californians who want to invest in real estate loans.
• California Association of Mortgage Brokers (CAMB)minorStrategic or Co-development PartnerNonprofit professional trade organization established in 1990 consisting of licensed real estate brokers, salespersons, and affiliated lenders organized into 19 regional chapters throughout California with more than 4,000 members.
• California TD SpecialistscoreImplementation/ SI/ Consulting PartnerCalifornia Trustee providing Non-Judicial Foreclosure services for all types of Trust Deeds secured by real estate in 1st or Junior position (except 1st Trust Deeds on Owner Occupied properties). Staffed by management team with over 30 years of experience. Required vendor for all FCI Loan Servicing clients.
• National Association of Mortgage Brokers (NAMB)coreStrategic or Co-development PartnerNational trade association representing interests of mortgage brokers and homebuyers since 1973, committed to promoting highest degree of professionalism and ethical standards for more than 25,000 members. Affiliated with all 50 state associations.
• MERS (Mortgage Electronic Registry System)coreTechnology or IntegrationMERS acts as nominee in county land records for lender and servicer. Loan registered on MERS System does not need future assignments since MERS remains nominal mortgagee when ownership or servicing changes. MERS as original mortgagee is approved by most agencies, lenders and servicers.
• Mortgage Bankers Association (MBA)coreStrategic or Co-development PartnerNational association representing real estate finance industry headquartered in Washington, D.C. MBA invests in communities across the nation ensuring continued strength of residential and commercial real estate markets, providing strategic tools, industry trends and resources to members.
• United Trustee Association (UTA)minorStrategic or Co-development PartnerNational nonprofit corporation comprised of those acting as trustees under real property deeds of trust. Source for information, expertise and opinion on non-judicial trustee issues and practices, advocating before state legislatures.
• Centurion SoftwarecoreTechnology or IntegrationTechnology partner collaborating with FCI since 2012 to develop proprietary loan servicing software featuring custom loan-level solutions, automated workflows, and integration capabilities.

Scale indicators6 records

Recent moves10 records

Expansion highlights6 records

Direct peers

• NewRez (formerly Shellpoint Mortgage Servicing): NewRez is a major non-QM and specialty mortgage servicer and originator, directly comparable to FCI's non-QM and private money servicing focus, including rated securitization servicing and servicing for institutional investors.
• Dovenmuehle Mortgage: Dovenmuehle is a long-established mortgage subservicer providing performing, default, and special servicing for banks, credit unions, and investors. Closely aligned with FCI's third-party servicing model and customer base.
• ServiceMac: ServiceMac is a dedicated mortgage subservicer serving banks, credit unions, and non-bank lenders. It is a direct peer to FCI in third-party loan servicing, including performing and special servicing.
• BSI Financial Services: BSI is a specialty mortgage servicer offering sub-servicing, default servicing, and REO management to banks and investors. Comparable to FCI in providing modular servicing programs across performing and non-performing loans.
• Cenlar FSB: Cenlar is one of the largest US mortgage subservicers, providing performing loan servicing, default servicing, and customer care. It competes with FCI for third-party servicing mandates from banks and non-bank lenders.
• Rushmore Loan Management Services: Rushmore specializes in special (non-performing) and sub-servicing for residential loans, including private-label and non-agency portfolios. Highly comparable to FCI's Specialty and Securitization servicing offerings.
• Lakeview Loan Servicing: Lakeview is a specialty servicer of residential mortgage loans including non-performing and re-performing loans. Competes with FCI in distressed and special servicing segments.

Broad incumbents

• Rocket Mortgage (including former Mr. Cooper servicing): Rocket Mortgage, through its acquisition of Mr. Cooper and PHH Mortgage, is a dominant US mortgage lender and servicer with broad servicing capabilities, including non-agency and special servicing programs.
• loanDepot: loanDepot is a large US mortgage originator and servicer offering non-QM (ldwholesale) and servicing products. It overlaps with FCI's non-QM servicing and origination-support positioning but at significantly larger scale.
• Mr. Cooper Group: Mr. Cooper is one of the largest US mortgage servicers with broad capabilities including sub-servicing, recapture, and default servicing. It is a broad incumbent that competes with FCI for institutional servicing mandates, particularly at scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/myfciservices
• Facebookfacebook.com/myfciservices
• LinkedInlinkedin.com/company/myfci

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FCI Lender Services