Franklin American Mortgage Company (FAMC) was a privately held mortgage banking firm founded in 1993, headquartered in Franklin, Tennessee. It specialized in residential mortgage origination and servicing, operating nationwide. Known for its correspondent and wholesale lending channels, FAMC aimed to provide a wide range of mortgage products and services. In August 2018, Franklin American Mortgage Company was acquired by Citizens Financial Group, Inc. (Citizens Bank), and its operations were integrated into Citizens Bank's mortgage lending business, often recognized under the Citizens One Home Loans brand. This acquisition significantly expanded Citizens' mortgage servicing portfolio and origination capabilities.
Served as the central hub for executive leadership, administrative operations, underwriting, loan processing, and servicing for Franklin American Mortgage Company prior to its acquisition.
The headquarters was located in a modern office park in the Cool Springs area of Franklin, designed to support a large-scale mortgage operation. Specific architectural highlights are not widely publicized, but it provided a functional corporate environment for its extensive workforce.
Prior to acquisition, the work culture at FAMC was often described as entrepreneurial, fast-paced, and customer-focused, typical of the mortgage industry. Emphasis was placed on compliance, efficiency, and building strong relationships with correspondent lenders, brokers, and borrowers.
The Franklin headquarters was significant as the nerve center of what grew to be a major national mortgage lender, contributing to the local economy in Williamson County and the broader national housing market through its extensive lending operations.
Prior to its acquisition by Citizens Bank, Franklin American Mortgage Company primarily operated within the United States. It had a significant national presence, with licenses to operate in nearly all states, and a network of branch offices and operational centers supporting its residential mortgage origination and servicing businesses. Its functions were focused on the US domestic mortgage market, including wholesale, correspondent, and some retail lending. There is no public information indicating significant international operations beyond potentially serving US citizens with US-based properties or standard international vendor relationships.
6100 Tower Circle, Suite 200
Franklin
TN
USA
Address: Multiple locations nationwide (pre-acquisition)
To extend Franklin American Mortgage Company's lending footprint across different states and metropolitan areas, ensuring local market coverage and accessibility for its partners and clients. Upon its acquisition by Citizens Bank in 2018, these offices were integrated into Citizens Bank's existing infrastructure, repurposed, or closed as part of the consolidation process.
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As of April 2025, Franklin American Mortgage Company' leadership includes:
Franklin American Mortgage Company has been backed by several prominent investors over the years, including:
Franklin American Mortgage Company was acquired by Citizens Bank in August 2018 and no longer operates as an independent entity. Therefore, there have been no Franklin American Mortgage Company-specific executive hires or exits in the last 12 months. Any leadership changes related to its former operations would occur within Citizens Bank's mortgage division.
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Prior to its acquisition by Citizens Bank in 2018, Franklin American Mortgage Company likely used a common corporate email format such as [first_initial][last]@[famc.com] or [first].[last]@[famc.com]. Post-acquisition, employees and operations were integrated into Citizens Bank, and communication would follow Citizens Bank's email structure, which commonly includes formats like firstname.lastname@citizensbank.com or fmlastname@citizensinc.com. Specific historical email formats for FAMC are not publicly detailed, and any current business would use Citizens Bank's formats.
Historically, likely [first_initial][last]@famc.com or [first].[last]@famc.com. Now follows Citizens Bank format (e.g., first.last@citizensbank.com).
Format
john.doe@citizensbank.com
Example
75 (for common corporate formats like Citizens Bank's, assuming a valid name and current employment)%
Success rate
Citizens Bank Investor Relations • August 1, 2018
Citizens Financial Group, Inc. (NYSE: CFG) today announced that it has completed its previously announced acquisition of Franklin American Mortgage Company, a highly regarded national mortgage servicing and origination company headquartered in Franklin, Tennessee....more
Business Wire (Press Release via Citizens Bank) • May 29, 2018
Citizens Bank, N.A. today announced that it has entered into a definitive agreement to acquire Franklin American Mortgage Company. The acquisition was aimed at accelerating growth in Citizens’ mortgage banking business, adding a high-growth national mortgage servicer and originator....more
National Mortgage Professional Magazine • February 1, 2017
Franklin American Mortgage Company (FAMC) announced the promotion of four of its team members to the position of Executive Vice President (EVP): Louise S. Firth, Jim M. Archibald, Rett S. Crocker and Joseph F. Stallings. This news reflects leadership structure prior to acquisition....more
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