is this a bank

Assuming you are referring to lender411.com the answer is no. I would not presume to speak for Lender411.com but my experience in having answered questions for some years now on their website and having had them create a website for me previously, is that they provide a consumer educational website for learning all there is too learn regarding home mortgage lending and other real estate related issues. They also are professional web designers and builders for banks, other direct lenders and mortgage brokers.