Discover Posts Loss for 4Q on ChargeHouston Chronicle, United States -6 minutes agoLoan provisions were $339.9 million _ up from $239.7 million in the fourth quarter a year ago, and up from this year's third quarter. ... The mortgage loan itself is made by a bank, a savings and loan association, a mortgage company, a credit union, or any other lender. For it to become an FHA mortgage loan, the lender would have to be approved by the Federal Housing Administration.