Austin Downs Photo

Austin Downs

Senior Vice President


  • Chairman's Club
    2013, 2016

Austin Downs has been one of the nations Top Residential Mortgage Originators for the past 3 years. He specializes in Residential Refinancing, Purchases, and VA loans. What separates Austin from all other Lenders and Bankers is his diligence, dedication and promise to see your refinance or purchase transaction all the way through to its end. Austin will help you every step of the way making your experience as easy and smooth as possible. 

Prior to joining The Federal Savings Bank, Austin worked for the Nations Largest Bank and Mortgage Servicing Portfolios while being one of their top performers and producers for 3 years straight. Prior to that Austin served in the US Army as a Military Police Officer and also worked with Border Patrol as a part of the Joint Counter Narcotics Task Force (J.C.N.T.F). Austin is still currently serving in the US Army National Guard.

Austin graduated from Mesa High School in the great state of Arizona, he then attended Maricopa Community College for a short while before enlisting in the US ARMY. Outside of work Austin is a fitness enthusiast and amateur bodybuilder. He loves to build and restore classic cars and spend time with his family and friends.


Austin Downs was very helpful, he is knowledgeable of the process and most important he did what he said he would do. I feel that he went the extra mile for me to help me feel secure with your Bank. I will give him my strongest recommendation for friends and potential customers. It is a pleasure to do business with a person that understands the relationship is as important as closing the deal. You are fortunate to have him, allow him to teach others as his values need to be shared.

- Alfred P
It is a pleasure to work with people that tell you the truth and do what they tell you they will do. I recommend Federal Savings Bank to all that are financing. Austin is great to work with an excellent communicator who know his business and does it greatly. Than You

We just closed on our new home a few weeks ago, and wanted to let you know how pleased we were with the service Austin and The Federal Savings Bank provided us.

Austin worked so hard on our loan and was able to get the loanl to close with no issues. He put in countless hours on our file and always made time to take our calls and answer all of our questions. Austin always gave us his undivided attention, even though he had other clients to work with.

He is very knowledgeable about VA loans, and made our transaction smooth through the whole process. With my husband being Active duty military, having someone that knows how the military and the VA works is a huge plus!

We will be referring everyone we meet to apply for a loan with Austin and The Federal Savings Bank.

We can never thank you all enough for helping us become homeowners!

- Angela and Jason
I recently refinanced my rental property in Georgia with Austin Downs. I am just writing you to let you know he did an outstanding job. Throughout the process he answered all of my questions and was quick to reply to any email and call both while at work and off. He made the process very painless and is an excellent asset to your organization. I will definitely refer any co-workers and friends interested in refinancing his direction.

- Benjamin G
Austin Downs is the catalyst for my survey. He's the most knowledgeable person I've ever spoken to regarding mortgages. I don't want to deal with anyone else but Austin, he is the most highly qualified, courteous and knowledgeable person I have ever spoken to.

- Carmine D
Austin Downs is a superb financial banker who helped us get through a very stressful period in our lives. His knowledge of the VA loan process and how it protects the veteran is bar none. Austin promised us at the beginning that we would be closing by the end of the month and he delivered. Due to the uncertainty of our economy we had lost one source of our income which presented us with an extremely bleak picture of our future. Thanks to Austin Downs and the Federal Savings Bank we are financially solvent and our future looks wonderful. We also learned that there is an avenue open to us in the future to lower our interest rate on our mortgage at no additional cost to us which we will be taking advantage of in the new year, of course using Austin Downs as our financial banker. Thank you to Austin Downs and the Federal Savings Bank for making us once again financially solvent.

- Carmine D
This process was as smooth as it could have possibly gone. Only issues the entire time were with my side of the deal but we pressed on and Austin made it happen. I'll be calling when I go to purchase a new house in a few years when I relocate.

- Christopher S
I recently refinanced my home with The Federal Savings Bank and I wanted to tell you about my experience. Let me start by saying that I had been trying to refinance my house to take advantage of lower interest rates for a few months prior to the call I received from Austin Downs. Without going into a bunch of detail, all I ended up with from that whole fiasco is a boat load of credit checks on my report and Quicken got me for a few hundred dollars. I had pretty much given up on the whole thing when one weekend Austin Downs called me and explained to me about The Federal Savings Bank, how it was run, who it was owned by, and that they worked closely with the VA. After that everything changed. There were no lies that came out later in the fine print. There were no weekend, spare time, amateur appraisers. Mr. Downs was my point of contact through the whole process, he made himself available any time I had a question and he understood the mess I had gone through up to that point. It seemed he was tireless in insuring that my experience with The Federal Savings Bank was a great one and the whole process went very smoothly. My loan closed about a month and a half ago but I have been very busy with a new job, family, etc. so it took me a little while to contact you and tell you and The Federal Savings Bank thank you for a great experience. I don't think any other financial institution understands a VA streamline refinance as well as your bank and the professionalism displayed by the employees was outstanding compared to anything else I have dealt with. I also was very relieved to deal with fellow veterans who understood everything about the process and could explain it so well. Again I just want to say thank you and it was a complete pleasure doing business with your bank and your people.

- Christopher W
Austin made our transaction easy, quick and painless. We had a miserable experience with a different company previously this year. Austin was upfront, honest and on time, all the time. Can't thank him enough for his help, and his service to our country. Hire more like Austin.

- Colin S
We recently refinanced our home for the second time with Austin Downs. He is very knowledgeable about VA loans and got us an unbelievable great rate with a VA IRRIL. I checked out the competition and no one came even close to what he could do. Austin and his team are very professional, and he constantly keep in touch with us during our loan process from start to finish. We would highly recommend Austin. Thank you!

- Daniel B
Austin Downs, has always done extremely well assisting us with our "VA mortgage loan". He makes the completion of our loan process very easy & hassle free. We love dealing with Austin Downs. We would highly recommend Austin. He constantly keeps in touch with us during our loan process. Thank you so much Austin!

- David A
For our home refinancing we have always dealt with VP-Austin Downs. He was in constant communication with us every step of the way during the loan process. He's done a great job. The Federal Savings Bank & Austin Downs has a client for life. Thank you Austin!

- David A
The best banker we have ever worked with. Mr. Downs knows what he is doing and does everything very well. I have recommended him to several people and I will continue to do so. I will go to him for any bank needs I have. Thank you so much Austin it was a pleasure working with you.

- David W
Austin Downs was my loan officer. Austin returned all of my calls and was very informative . Austin answered all of my questions and emails in a timely manner. Austin made the process stress free. Thank you

- Derico G
Austin is the reason I return to this company, time and time again. He has always been a pleasure to work with, and makes my wife and I completely confident in our decisions when it comes to our mortgage.

- Eric H
My name is Garrett Hurt and I just recently closed on a VA refinance that was handled by Austin Downs. I normally don’t send out letters of praise that complement someone for doing their job, but this time I felt it was necessary. I am always skeptic when I get phone calls from telemarketers and I almost hung up the phone before they transferred me to speak with Austin. Within the first two minutes of my conversation with Austin I felt at ease and knew that this guy was for real and had a genuine interest in helping me lower my payment. The whole process was effortless compared to the last time I went through this about a year ago with a different lender. Austin was always available, if I couldn’t reach him by phone I could send him an email and his response was within hour. When he said he was going to do something, he did it. When he scheduled a time for something to be done, it was done. When he told me that I would be receiving a check on a certain date, it was there. He followed up after we closed and told me thanked me for using Federal Savings and wanted to make sure that everything went well.

Also I want to let you know that it is great to know there are organizations, like Federal Savings, that tend to veterans and show a genuine interest in working to save us money in the long run.

Thank you and please let Austin know that I appreciated everything he did for us.

- Garrett H
Austin Downs was awesome - as always. He answers every question thoroughly, and sends links to articles/websites to help us understand what he is saying/explaining; those visuals really help us understand. He always wants to make sure that we know that what he is saying is backed by credible information. The ease of electronic signatures also helps move the process faster. We're three time repeat customers, and are always pleased with the mortgage team's efforts.

- Jacquelyn C
Austin comes through from start to finish. He applies himself and gives us advice throughout the entire loan process. We couldn't ask for a better lender. We have used this bank several times and each time they manage to out do themselves. We thank them for everything!

If we did not have true professionals like Austin Downs and Heather Wick handling our refinancing it would not be complete now. My wife and I were let down by two other companies throughout this process, Austin was the only one to see it through and not give up. If any of my family and friends need mortgage assistance of any kind I will be recommending Federal Savings and Austins Downs. Thanks for everything!!!

- Jeffrey T
This was my first re-finance on my home going from FHA to VA. First to point out that I was cheated out of my VA home loan when I bought my house, Austin downs took urge to my problem and walked me through step by step the whole way, from applying for the VA home loan all the way to closing to make sure I received the rights of serving for the U.S. NAVY. The Federal Savings Bank takes there time with customers and they don't rush you what so ever. It was a pleasure and headache free process, I will definitely be referring business but also continue to business with The Federal Savings Bank for years to come.

- Jeremy G
Austin Downs is the most effective financial officer who has ever assisted me in the loan process and previous home loans with The Federal Savings Bank. As with Austin, I too am a USA Military Veteran. He and his team gave me excellent service, security, and peace of mind knowing that my financial situation would be blessed. Thank You Austin!

- John N (repeat client)
Thank You! My experience with the Federal Savings Bank was a very good one. I marked the box that the loan don't close as anticipated. However, the reason for that was my not mentioning my wife was in Conover, NC. so, the documents got signed later. Mr. Austin Downs is one of the finest professional loan officers I have ever associated with. Mr. Brown was also very supportive in this loan process. I look forward to stopping by your office one day when I travel to Phoenix to visit my son Ben who is the owner of Spire Fitness on Indian School Road. Thank You again ! I will let others know of my experience.

- John N
Austin did a wonderful job; he is very professional, knowledgeable about the VA loan system and always available. I enjoyed interacting with him in all phases of this loan process. He will be "Go to Guy!" for any future banking transactions.

- John R
Austin Downs continues to meet and exceed our expectations. We have done business with him over the past 12 years and continue to come back because of his excellent customer service! I have tried other companies and they just do not compare to the quality and honesty of Austin Downs and The Federal Savings Bank. The process is streamlined and very well organized. Austin cares about his customers and always makes us feel like we are the number one priority.

- Joseph P
I wanted to reach out and say how appreciative I am for your team at The Federal Savings Bank. This is my second time doing a refinance with Austin and his team and it was an absolute breeze compared to working with other lenders in the past. You guys are absolutely amazing. I have already sent out a couple of my past service members your way.

- Josh A (repeat client)
Austin and team are amazing at every turn. I have never experienced such incredible hands on service and incredible follow through. Always an outstanding experience.

- Karen U
We are most grateful to Austin Downs and his team for securing this mortgage for us. The interest rate is the lowest of any bank and we are feeling most fortunate to have successfully completed the process. Every concern we had was met with a prompt return phone call to give the answer that we needed. Thank you to Austin Downs and all the men and women that worked on our loan. God bless you all.

Austin and his team are very professional. Paperwork was provide in an adequate time frame so I could review and ask questions. When I had questions or concerns, Austin and his team responded back in a timely manner. During the process Austin contacted me with updates, tell me what phase my paperwork was at and what happens next. Austin provided me with resources to view. Austin is very knowledgeable of his job.

- Kendera G
Austin is awesome! Very helpful an knowledgeable. Tells the truth.

- Lewis M
We just finished refinancing our home. I just want to say a few things about Austin Downs.

1. He is a pleasure to work with. 2. Very sufficient and accurate. 3. Very professional. 4. Gets back to us right away when we have a question.

I have done refinancing before that cause us headaches. With Austin there was no headaches and everything went smoothly.

It was a pleasure doing business with your company.

- Maria G
I had filled out a report after my loan closed but I wanted to send you a quick note on my experience with Mr. Downs I could go on about what a great experience I had with Mr. Downs and his associate but I'm sure you hear all the good things they did to make all loan experiences easy and how they came through for their clients.

What I would like to express is Mr. Downs professionalism on all levels. It's one thing to a consumer to be anxious about refinancing a loan especially for me since I'm a single father with one income so any savings I get its really appreciated.

Mr. Downs went above and beyond to make me comfortable in refinancing my loan. He even gave me his personal contact number for when he went on weekend duty just to make sure if I needed or had questions I can get ahold of him. That right there took a huge burden off my shoulders knowing I had someone who was really in my corner with the best interest in mind. I felt comfortable and confident that this process will go well.

If I called and he didn't answer, he would get back to me ASAP and I never had to wait long for his response. I always admire those who take their jobs serious but when you have a person who is sincere and considerate it just makes uncomfortable situations comfortable.

Thank you for taking the time to read this note and I will be making sure that I tell all my fellow military service comrades that they should contact your company ASAP for refinancing or financing.

Thank you once again!

- Mason A
I had a great experience working with Austin on the refinance of my home loan. He was extremely helpful and knowledgeable. I'm glad that he was able to get me taken care of so quickly and efficiently. He is someone I would be glad to work with again. I wanted you to know that my experience with him was outstanding.

Thank you very much

- Michael G
Austin Downs is the best I've ever worked with in regards to all my previous mortgage re-fi's. His prior military service is very helpful especially when working with veterans as myself who cuts out all the "bull" and gives straight/forward answers. What normally may take hours of explaining the process of my loan, Austin was able to explain everything in MINUTES! Great Job Austin and thank you so much for "picking up phone" when I called your company. Go Army-Hooah!

- Moses T
I have already recommended Austin Downs to a friend and my mother. We had a bad experience with another lender that we tried and are extremely grateful that we decided to go with Austin instead. Even before we had committed to The Federal Savings Bank, Austin was very helpful in answering any questions that we had without trying to get us to commit to something first. He was great at sending us examples so that we better understood what he was going over with us and we were also able to get an incredible rate. Thanks again for all of your help Austin. We greatly appreciate it!

- Nadena G
I want to highlight what an incredible job Mr. Downs did. He walked us through the refinancing process and ensured we were at ease. He is truly a VP of the highest caliber and understands what it means to preserve a company's reputation. I want to specifically recognize his diligence, attention to detail, and personable approach in helping us. We’re very satisfied with how the refinancing process worked out in the end and the credit goes to Mr. Downs specifically. I’ll be sure to recommend him and The Federal Savings Bank to anyone that might require loan services in the future. I’m positive that our family will be working with him again.

- Nicko N
Austin is the best. He cares about his clients and ensures they are happy and informed throughout the entire process.

- Nolen A
The customer service was beyond what was expected. When I did not understand something or I had a problem with the paperwork, Austin was a phone call or email away. I genuinely felt like he cared about me and my family and was going the extra mile for us. By far the best experience I ever had working with a bank.

- Ramon O
Our loan was not closed as quickly as we had anticipated due to some issues with some of our credit and a few changes we requested along the way. Austin Downs was our banker after a while into my loan process. He is extremely knowledgeable in the loan industry and helped me every step of the way by educating me about what was going on at the time. The process hit a few snags along the way due to changes requested by us. Austin handled the changes very professionally and was great in explaining the probable results of those changes, and the actual changes when working with the underwriters. We have Austin to thank for persevering, educating us, and using his knowledge to insure we were successful in being granted this loan.

- Ronald C
I would like to share with you how helpful Austin was throughout the whole refinance process we went through. He was clear since day one about laying down the expectations, and went out of his way every step of the way till we successfully closed a couple of days ago.

I am the dental director of a CA based dental group, and over see 26 locations with 80 dentists and north of 400 supporting staff, and if I had only one Austin in each of these 26 offices, I can play golf everyday and never have to worry about work.

He is a great catch for you guys to have, and for us as clients to deal with. Here is to continued success for your business and to Austin as well.

- Tareq O
Austin and his team did a wonderful job on both transactions and I would use him again if necessary. He is very accurate and prompt and Luke was a pleasure to work with also. Everything went very smooth and closing was right on time. Thank you Austin!

- Thomas D
Austin was outstanding and very helpful. He made the process extremely easy and painless. Even when issues would come up he would work diligently to ensure they were resolved in a timely manner. The entire process was easy and efficient thanks to Austin and his tireless work ethic.

- Travis H
Austin is very prompt and Professional. Along with willing to educate on the process. Austin is an example Of excellence that all mortgage lenders should strive for.

My overall experience with the Federal Savings Bank was out standing. The expertise of Austin Downs and his staff went above and beyond to get my loan approved. I am now much wiser pertaining to the mortgage refinancing process. I would highly recommend The Federal Saving Bank and their knowledgeable staff.

- Troy H
I am very please with Mr. Austin he made thing go so easy and was very understanding taking time to go over every thing so that I understood what was going on. I will refer him to friends.

- Willie L
I was so impressed with the communication I received during the process. Having one person (Austin) I could contact with questions was priceless. I appreciate the importance the bank and Austin have in keeping good communication with clients. I would absolutely recommend Austin to others. Compared to some experiences I've heard from friends that have refinanced with other banks, ours was a million times easier, mostly due to the communication and information provided by Austin.

- Zara S