Michael Dutra

Michael Dutra Michael Dutra | Senior Vice President & LPO Manager |
The Federal Savings Bank | NMLS 13530 |
TFSB is an EHL | Company NMLS #411500

Responsible for the design, build, and execution of a multi-branch mortgage production platform within a federally chartered bank operating in all 50 states. Leads national recruiting campaign and development of Loan Officers, Branch Managers, and regional leadership, with a focus on experienced, self-sourced producers seeking a platform built on structural advantages rather than lead dependency.

Oversees end-to-end sales performance, including production volume, pipeline health, pull-through, and time-to-close metrics. Aligns sales strategy with in-house operations to ensure consistent delivery against a 28-day closing standard and a credit culture oriented toward approving loans. Partners directly with executive leadership to scale a disciplined, data-driven production model, targeting $250MM–$300MM in annual funded volume through a combination of strategic recruiting, process optimization, and market expansion. Drives operational integration across sales, processing, underwriting, and secondary to eliminate friction, increase conversion, and enhance borrower experience. Establishes performance expectations, reporting frameworks, and accountability structures across all levels of the organization. Builds and reinforces a culture centered on professionalism, execution, and long-term stability within a privately held, veteran-owned institution.



Open to connecting with experienced Loan Officers and Branch Managers ($8MM–$20MM+ producers) who are looking to operate within a platform designed to remove constraints and maximize production.

Happy Labor Day! 🇺🇸Today, we celebrate the hard work, dedication and contributions that help keep our communities moving...
09/07/2026

Happy Labor Day! 🇺🇸

Today, we celebrate the hard work, dedication and contributions that help keep our communities moving forward.

Wishing you a safe and relaxing holiday with family and friends!

Appraisal, inspection, final walkthrough… they can sound like similar steps, but each serves a different purpose in the ...
09/04/2026

Appraisal, inspection, final walkthrough… they can sound like similar steps, but each serves a different purpose in the homebuying process. 🏡

Knowing what happens at each stage can help you better understand what to expect as you move toward closing.

Swipe through for a quick breakdown—and reach out if you have questions along the way.

09/02/2026

A Veterans Affairs (VA) home loan comes with its own vocabulary—and understanding the terms can help you feel more prepared.

🏠 Occupancy generally means the home is intended to be your primary residence. Timing and certain exceptions can vary based on your circumstances and program requirements.

Have questions about how occupancy requirements apply to your plans? Let’s talk.

09/01/2026

Escrow. Everybody nods at closing. Almost nobody actually knows what it is.

Today's Journal reads like a study in repricing: the FTC suing Amazon over ad rates, Apple investors demanding an innovator in the corner office, Shein speeding up its IPO, and GameStop raising its outlook. Everything adjusts. Inside a mortgage, taxes and insurance do too — and the video above shows why a payment can shift even when the loan itself never changed.

Borrowers rarely quit a banker over numbers. Surprises no one explained do the damage. The Federal Savings Bank — veteran-owned, lending in all 50 states — was built for originators who educate before the question gets asked.

Prepared before the bill, or blindsided after it? We should talk.

Michael Dutra | Senior Vice President & LPO Manager | The Federal Savings Bank | NMLS 13530 | Phone (401) 486-6894 | Email [email protected] | TeamDutra.com | The Federal Savings Bank is an Equal Housing Lender | Member FDIC | Company NMLS 411500 | Subject to credit approval | Terms and conditions may apply | Property insurance is required on all loans secured by property | The Federal Savings Bank is an Equal Opportunity Employer | All qualified applicants will receive consideration for employment without regard to race, color, religion, s*x, s*xual orientation, gender identity, national origin, disability or status as a protected veteran | Copyright 2026 | All Rights Reserved | TheFederalSavingsBank.com

Already own the land you want to build on? That may be an important piece of your construction financing conversation.De...
08/31/2026

Already own the land you want to build on? That may be an important piece of your construction financing conversation.

Depending on the loan program and project details, the value of your lot may be considered as part of the financing structure.

Thinking about turning your land into a home? Let’s talk through your construction loan options.

08/28/2026

Escrow is one of those mortgage terms you may hear often—but what does it actually mean?

Think of it as a way certain property-related expenses, such as property taxes and homeowners insurance, may be collected alongside your mortgage payment and paid when they’re due.

Every loan is different, so if escrow is part of your mortgage conversation, ask your mortgage banker what it means for you.

Home isn’t just where life happens—it’s where the little moments become part of your everyday story.Morning coffee at th...
08/26/2026

Home isn’t just where life happens—it’s where the little moments become part of your everyday story.

Morning coffee at the counter. Backpacks by the door. Family dinners, weekend projects, and conversations that run late.

When you’re thinking about your next home, make room for the life you want to live there. 🏡

Hiring nationwide: mortgage bankers and branch managers who want a real platform.Today's Wall Street Journal is a master...
08/25/2026

Hiring nationwide: mortgage bankers and branch managers who want a real platform.

Today's Wall Street Journal is a masterclass in staying power. Wendy's brought in a new CEO to fight back into the burger race. Crocs is watching disciplined ex*****on finally show up in the numbers. Polestar got strung along by Washington until the door closed. Live Nation woke up to a fresh DOJ antitrust push.

Four front-page stories, one takeaway: where you build determines how far you go. The Federal Savings Bank is veteran-owned and federally chartered — in-house underwriting, balance-sheet portfolio programs, and lending in all 50 states. No waiting on state approvals. No shifting ground beneath your pipeline.

We're growing coast to coast, and this market is rewarding originators who moved early.

Which matters more to your 2027 — the rate sheet you have today, or the foundation under it? We should talk.

Michael Dutra | Senior Vice President & LPO Manager | The Federal Savings Bank | NMLS 13530 | Phone (401) 486-6894 | Email [email protected] | | The Federal Savings Bank is an Equal Housing Lender | Member FDIC | Company NMLS 411500 | Subject to credit approval | Terms and conditions may apply | Property insurance is required on all loans secured by property | The Federal Savings Bank is an Equal Opportunity Employer | All qualified applicants will receive consideration for employment without regard to race, color, religion, s*x, s*xual orientation, gender identity, national origin, disability or status as a protected veteran | Copyright 2026 | All Rights Reserved |

A home wishlist is about more than bedrooms, bathrooms, and finishes. Think about how you actually live day to day—from ...
08/24/2026

A home wishlist is about more than bedrooms, bathrooms, and finishes. Think about how you actually live day to day—from busy mornings and storage needs to where family, friends, and pets will spend their time.

When you’re building, those everyday details can help shape a home that fits your life from the start.

Ready to turn your wishlist into a plan? Let’s talk about construction financing options.

08/24/2026

Three words that sound boring — until they decide whether your deal lives or dies.

In today's Wall Street Journal: Nvidia commits $6 billion to take on China's heavyweights, Walmart pushes a new brand toward trendier shoppers, Paramount settles with California, and a family rebellion rocks Brown-Forman. Different stories, same lesson — the numbers underneath determine the outcome long before the headline does.

Debt-to-income works the same way. Most borrowers have never heard of it, yet no single metric does more to decide an approval. Great mortgage bankers run that math on day one — knowing which debts can be restructured and which income other lenders miss. The Federal Savings Bank, veteran-owned and lending in all 50 states, backs its people with in-house underwriting to solve the ratio, not just report it.

Explaining DTI after it's a problem, or before? We should talk.

Michael Dutra | Senior Vice President & LPO Manager | The Federal Savings Bank | NMLS 13530 | Phone (401) 486-6894 | Email [email protected] | | The Federal Savings Bank is an Equal Housing Lender | Member FDIC | Company NMLS 411500 | Subject to credit approval | Terms and conditions may apply | Property insurance is required on all loans secured by property | The Federal Savings Bank is an Equal Opportunity Employer | All qualified applicants will receive consideration for employment without regard to race, color, religion, s*x, s*xual orientation, gender identity, national origin, disability or status as a protected veteran | Copyright 2026 | All Rights Reserved |

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