Updated 2026-10-09
Fitzgerald Advisors · Private asset brokerage
Advisory for whole loan, note, and CRE debt sales
Fitzgerald Advisors helps qualified sellers and buyers evaluate whole loans, mortgage notes, and NPLs. The same review covers CRE debt, judgments, auto/BHPH, and specialty-finance portfolios. Start with the asset, mandate, and timing. We are an advisor and broker-led transaction desk—not the buyer.
Not sure which route fits? Review the processA USEFUL FIRST CONVERSATION01 — 03
Bring the decision into view.
- Asset type and collateral or obligor profile
- Geography, size, and performance profile
- Capital, servicing, diligence, and timing
Asset or buy box→Qualified next step
Review what to include in a mandate01Define the asset or buy box
02Confirm fit and readiness
03Coordinate the next step
Confidential first conversationBusiness-level information onlyNo borrower records or unredacted filesBring timing, exclusions, and approval requirements when useful.
Debt · loans · judgments · CRE · notes · specialty financeBuilt for qualified counterparties
Weekly credit-quality monitor
Public credit signals before the confidential portfolio conversation.
Fitzgerald separates reported bank, credit-union, lender-disclosure, and macro context. Charge-offs, defaults, delinquencies, nonaccruals, reserves, provisions, recoveries, and lender credit-quality disclosures can then frame the right diligence question.
A public signal is context. It is not evidence that an institution is selling, that a portfolio is distressed, or that a transaction outcome is available.
Charge-offs, nonaccruals, reserves, provisions, and loan mix.
Credit-union fields remain distinct from bank measures.
Published only with stated source, period, and review boundary.
One firm. Direct transaction paths.
Start with the whole-loan or mortgage-note mandate.
Fitzgerald Advisors is a direct broker desk for qualified buyers and sellers of whole loans, mortgage notes, and other defined debt portfolios. The first conversation identifies the asset or buy box. It confirms whether a focused review is appropriate. It also sets the information needed for a controlled next step.
Review the mortgage-note process01Define the asset or buy box
02Confirm fit and readiness
03Coordinate the next step
Choose your path
Start with the mandate that fits.
Each route begins with the information that matters before a portfolio conversation. Fitzgerald is not a public listing board. Availability varies by mandate and transaction.
Sell whole loans, mortgage notes, or a defined debt portfolio.
Start with the asset type, approximate scale, documentation status, servicing context, and timing before detailed materials move.
I need to sellBuy whole loans, mortgage notes, or other defined portfolios.
Share the assets, geography, size, capital, servicing, diligence criteria, and timing that define your buy box.
I want to buyEvaluate an NPL or distressed position with the decision in view.
Start with the population, records, servicing or legal context, objective, and timeline. Do not start from a headline recovery assumption.
Discuss an NPL mandateAsset scope
Whole loans first. Asset-specific paths next.
Whole-loan and mortgage-note mandates lead the desk. Scope and counterparty fit are confirmed before any transaction process begins. The right path is then selected for NPL, CRE, judgments, auto/BHPH, or specialty finance.
Asset typeWhole loans & notesSee whether the mandate fits a focused buyer or seller review.
Asset typeCommercial & CRE loansSee whether the mandate fits a focused buyer or seller review.
Asset typeCommercial hard moneySee whether the mandate fits a focused buyer or seller review.
Asset typeJudgmentsSee whether the mandate fits a focused buyer or seller review.
Asset typeAuto, BHPH & rent-to-ownSee whether the mandate fits a focused buyer or seller review.
Asset typeSpecialty-finance notesSee whether the note or loan pool fits a focused buyer or seller review.
NPL & distressed assets
A clearer starting point for non-performing portfolios.
For lenders and owners evaluating a defined pool of non-performing loans, the first question is not “what is the price?” Ask whether the asset and the records support a controlled review. Servicing or legal context and the objective belong in that same first look.
Discuss an NPL portfolioSale process
How a loan sale works
Banks, credit unions and other financial institutions sell residential, commercial real estate and consumer loans through a sale process: NDA, data tape, due diligence, pricing and bid, then closing. Institutional investors bid on loan portfolios by asset class and market conditions.
Weekly bank market monitor
Regional signals before the next portfolio conversation.
Top-five regional snapshots ranked by reported assets within the current BankWatch returned slice. Use the data for context. It is not a rating, pricing opinion, or credit decision.
Checked October 9, 2026
Northeast
Top 5Top five by reported directory assets; New England, New York, New Jersey, and Pennsylvania states
Goldman Sachs Bank USANY · $758.79BCERT 33124
The Bank of New York MellonNY · $425.12BCERT 639
State Street Bank and Trust CompanyMA · $412.62BCERT 14
Morgan Stanley Private Bank, National AssociationNY · $250.43BCERT 34221
Citizens Bank, National AssociationRI · $232.52BCERT 57957
Source: FDIC Call Reports via BankWatch Pro. FDIC BankFind
Midwest
Top 5Top five by reported directory assets; Census Midwest states
JPMorgan Chase Bank, National AssociationOH · $4,091.32BCERT 628
Citibank, National AssociationSD · $1,976.18BCERT 7213
Wells Fargo Bank, National AssociationSD · $1,907.93BCERT 3511
U.S. Bank National AssociationOH · $705.55BCERT 6548
Fifth Third Bank, National AssociationOH · $299.18BCERT 6672
Source: FDIC Call Reports via BankWatch Pro. FDIC BankFind
South
Top 5Top five by reported directory assets; Census South states
Bank of America, National AssociationNC · $2,654.65BCERT 3510
Capital One, National AssociationVA · $662.16BCERT 4297
PNC Bank, National AssociationDE · $609.77BCERT 6384
Truist BankNC · $548.35BCERT 9846
TD Bank, National AssociationDE · $342.80BCERT 18409
Source: FDIC Call Reports via BankWatch Pro. FDIC BankFind
West
Top 5Top five by reported directory assets; Census West states
Morgan Stanley Bank, National AssociationUT · $419.32BCERT 32992
American Express National BankUT · $213.95BCERT 27471
Ally BankUT · $188.18BCERT 57803
UBS Bank USA, National AssociationUT · $124.44BCERT 57565
Synchrony BankUT · $115.22BCERT 27314
Source: FDIC Call Reports via BankWatch Pro. FDIC BankFind
What is changing beneath the headline?
A loan-sale advisor should read a reported charge-off or nonperforming measure as an opening question: what asset class is driving it, what is the population and cutoff date, are delinquencies and nonaccruals moving with it, what reserve or provision context appears in the original records, and what do the tape, servicing, documentation, collateral, and transfer conditions show? The public monitor helps frame that review; it does not identify a seller, price, recovery, or buyer.
BankWatch Pro, separate CU Watch NCUA 5300 data, SEC EDGAR screening · source-separated release. Regional ranking basis: reported assets.
Read the full regional reportSeparate CU Watch monitor
Credit-union regional context alongside the bank desk.
Sampled NCUA 5300 fields from CU Watch are presented separately from BankWatch. These regional cards are descriptive context. They are not a complete ranking, supervisory rating, or transaction conclusion.
Q2 2026 sample
Northeast
3 records33.8B sampled assets · asset-weighted fields
NPL 0.61%
Net worth 9.47%
Net C/O 0.31%
Midwest
3 records34.3B sampled assets · asset-weighted fields
NPL 0.33%
Net worth 9.70%
Net C/O 0.43%
South
3 records42.0B sampled assets · asset-weighted fields
NPL 0.28%
Net worth 11.70%
Net C/O 0.26%
West
3 records71.7B sampled assets · asset-weighted fields
NPL 0.27%
Net worth 9.82%
Net C/O 0.49%
CU Watch · NCUA 5300 sample · retrieved October 9, 2026.
Read the combined bank and credit-union reportFitzgerald Research Library
Supporting answers for transaction decisions.
The Research Library covers portfolio-sale preparation, loan-tape and data-room readiness, and buyer qualification. It also covers diligence, valuation, timing, net recovery, servicing transfer, and transaction terms. Each resource supports one commercial hub rather than competing with it.
Explore the Research LibraryCommon questions
Start with the facts that shape the next step.
What does Fitzgerald Advisors do?
Fitzgerald helps qualified buyers and sellers begin focused conversations around debt, loans, judgments, CRE, notes, NPLs, and specialty-finance portfolios. The work may include mandate framing, information preparation, counterparty fit, diligence coordination, and transaction-path support when appropriate.
Is Fitzgerald a public debt marketplace?
No. Fitzgerald is positioned as a direct broker desk, not a public listing board or open inventory marketplace. Availability varies by mandate and transaction. A first inquiry is used to understand fit before sensitive information is shared.
What should I send first?
Start with high-level business information. Include asset type, approximate balance or account count, geography, and the performance or collateral profile. Add available records, the objective, and timing. Do not send borrower-level data, account numbers, or unredacted files through the initial form.
Does Fitzgerald guarantee a buyer, price, recovery, or closing?
No. A review does not guarantee buyer participation, a bid, a sale price, or recovery. It also does not guarantee transaction approval or closing. Outcomes depend on the asset, documentation, and counterparty criteria. Applicable requirements, diligence, and negotiated terms matter too.
Start a confidential conversation
Tell us what you have—or what you need to buy.
Begin with the asset class or buy box, approximate scale, objective, available information, and timing. Keep borrower-level information and unredacted files out of the initial inquiry.
Start a conversation