FCI Lender Services, Inc. (FCI), a California corporation, is a leading national Non-QM and Private Money Servicer with annual Loan Servicing Portfolios ranging from 72,000 to 75,000 loans serviced with aggregate balances of $25B to $28B UPB under management that provides a wide variety of services for Lenders, and is one of the nation’s oldest Specialty Loan Servicers. FCI offers a full spectrum of Loan Servicing, Collection, Workout and facilitated Foreclosure services locally and nationally for all types of Non-QM loans. Clients include Private Money and Non-QM Lenders, Broker/Originators, Investment Companies, Hedge Funds, Credit Unions, Banks, and Individuals.  

FCI is licensed in all 50 states to provide Private Money Servicing, is also licensed by Freddi Mac, and is a recognized Non-QM Securitization Servicer. FCI is NMLS registered, Rated by Fitch, Verified by SOC 1 (SSAE 16), SOC 2, MBA USAP and subject to regular audits by State and Federal Regulators, all of which verifies FCI’s regulatory compliance for Clients’ safety.  

FCI’s Executive Team each averages more than 36 years of industry experience including 21 years of company tenure. The Management Team averages more than 24 years of industry experience including 19 years of company tenure. The company ranges between 180 and 200 employees with most cross trained on servicing functions.  

Founded in 1982 as Foreclosure Consultants, Inc. offering California Foreclosure Processing and Loan Servicing to Mortgage Brokers and Private Investors, FCI grew rapidly through the acquisition of Loan Servicing and Foreclosure companies to become one of California’s largest DRE Brokers. In 2002 FCI began expanding nationally and increasing its array of services for national and institutionally funded Clients.  

In 2004 FCI introduced the industry’s first Live Customer Login where Clients could view Loan Servicing activity on their Loans in real time, including Payment Statements and Late Notices as they are generated, and Payments as they are posted, cleared and disbursed. FCI's “Open Book Web Policy” provides Clients live access to nearly all of the Servicing Documents and Servicing Notes as they are generated, as well as other information in FCI’s Loan Servicing and Foreclosure Tracking systems.  

FCI amended their Articles of Incorporation in 2007, changing the name to FCI Lender Services, Inc. to better represent the services of the company as a recognized leading national Private Money Services Provider.  

In 2012 FCI became a Rated Servicer by Morningstar and currently has a high RSS2- FITCH Rating. FCI also began working directly with Banks and Wall Street Hedge Funds as the chosen Servicer on Collateral Funding Agreements and Securitizations of Private Money and Non-QM Loans.  

In 2020 FCI developed the industry’s first Full API Connectivity to Loan Servicing Data. Lenders can PULL information from FCI’s system and connect it into their secure internal software, as well as PUSH their Loan information into FCI’s system, significantly increasing efficiencies. In 2022 FCI developed Private Financial Technology Blockchain holding all transactions, documents and records in Unchangeable, Immutable and Transferrable Technology that operates in conjunction with FCI’s proprietary Servicing Software.  

FCI is recognized as a premier national Private Money and Non-QM Services provider with the motto: we board and process one Loan at a time.  

Our mission at FCI Lender Services is to serve as a premier complete national Non-QM and Private Money Servicer for Lenders.  FCI is the Sub-Servicer acting at the direction of its Lender Clients offering Private Money Lenders, Hedge Funds, Investment Companies, Private Money Brokers, Banks, Credit Unions and Private Money Loan Servicers an all-inclusive outsourcing alternative for Loan Servicing, Collection, and Default processing of their Private Money Loans.  FCI strives to deliver great efficiencies and cost savings to our Clients by using some of the finest personnel and technologies in our industry.  At FCI we fully understand our relationship to both Borrower and Lender on a Private Money Loan, and promise to embrace our responsibilities with knowledge, courtesy, and integrity.

The FCI Staff includes some of the most experienced and qualified management and operational personnel in the Lending and Servicing industry. Operational Staff are carefully screened, tested, and put through extensive task specific and cross training.  Training continues in all areas to keep Staff and Management current with the constantly changing parameters of this industry.  FCI employees are loyal and committed to the company, as many of them have been part of the FCI team for over 16 years.

The Management at FCI includes many outstanding and recognizable people in the industry.  The 14 members of FCI's Senior Management Team average over 27 years of servicing and workout experience each, and have impressive industry Resumes.

Experienced Management and Staff are key to providing the high level of service and operational expertise that sets FCI apart. 

FCI has an industry wide reputation for providing hands on professional Loan Servicing and Collection at the direction of Lenders for over 40 years. We are a “partner you can trust” and not an impersonal, inflexible processing factory. There is a high degree of trust in our ability to effectively handle all types of Private Money and Non-QM Loans for a wide variety of Lenders.