About us

The Federal Savings Bank is a veteran owned and operated, federally chartered bank with a focus in mortgage lending.

All of our mortgage bankers share a common philosophy - to take a proactive approach to both educate and inform every one of their borrowers throughout the path to home ownership.

With loan officers and Loan Production Offices nationwide, we have experienced tremendous growth since its inception in May 2011. And we are not stopping there. While other companies are struggling to survive in an ever-changing industry, The Federal Savings Bank has been able to adapt and evolve. Our leadership believes in the idea of "controlled growth" to ensure that our mortgage bankers are supported by each area of operations.

Our Objective

To provide the greatest platform allowing you the widest array of home loan products and the ability to lend in all 50 states while giving customers a perfect mortgage experience.


Not only do we provide an unmatched lendering platform, but our operational and support team is the other integral piece to growing your business. We have created an environment that encourages employees to work together and problem solve to ensure loans get closed.


It’s no secret that knowledgeable and experienced leaders drive successful companies. However, combine top-notch leadership with a passion for helping customers achieve the American Dream of home ownership, and you have some of the main ingredients to the secret recipe of what has made The Federal Savings Bank exceptional. The other part of the recipe, of course, is our dedicated, skilled team of bankers.

Steven Calk
Chairman & CEO
John Calk
Vice Chairman, The Federal Savings Bank
Javier Ubarri
Bernie Miller
Executive Vice
Mike Crossett
Executive Vice
Mordy Husarsky
Executive Vice
Robert Jones
Regional Senior
Vice President
Andrew Chojnowski
Chief Operating
Officer (Home Lending)
Chuck Smith
Director of
Secondary Marketing


The Federal Savings Bank family is made up of good citizens and well-rounded individuals. We cultivate a work environment that supports working in teams and helping one another, it is only natural that we want to do good in our community.

Here are some of the organizaitons that The Federal Savings Bank supports:

Camp Simcha
Evans Scholars
East Lake Academy
Department of Veteran Affairs