Bernie Miller Photo

Bernie Miller

Executive Vice President


Bernie P. Miller II is an Executive Vice President at The Federal Savings Bank, and oversees retail mortgage sales in Chicago and the Midwest. Bernie entered into the residential mortgage business in 2003, and was a top producing Loan Originator for over 10 years at the bank. Bernie’s focus now is developing high-producing loan officers, teams, and branches. His coaching program and mentorship set his leadership style apart from other mortgage executives, and his experiences as a “street” loan officer keep him relevant.

Nothing is more fulfilling now for Bernie than growing a loan officer into a top producer. His division started the Mortgage Banker University program 5 years ago. This program starts junior bankers from day one, and graduates them to top producers. His passion also includes identifying and developing talented loan originators and teams who possess a similar passion for the business and are looking for proven leadership and an operational platform to help them break through and really grow. The combination of Bernie’s leadership and the stable, dynamic platform of The Federal Savings Bank is a powerful solution for our loan originators, realtor partners, and future homeowners. Bernie’s division has consistently grown and will aim to help over 3,600 families this year.

Bernie graduated from the United States Military Academy at West Point, NY in 1992. After being commissioned as an Army Officer, he graduated from the U.S. Army aviation flight school in 1993, and served as a Cav/Scout helicopter pilot, primarily flying the OH-58D “Kiowa Warrior”. Bernie served in several Cavalry units during his 9-year career, earning several distinctions, including 2 Meritorious Service Medals, the Order of St. Michael, and the Senior Aviator Badge.

Bernie lives on the north shore of Chicago but grew up in the Denver area. Bernie and his wife have 3 sons & 2 daughters, whom share a love of music & performing. Bernie currently supports several veteran related charitable organizations, including Bunker Labs, wear blue: run to remember, and the USO of Illinois. Bernie and his wife Tammy also volunteer with the Archdiocese of Chicago and teach Pre-Cana classes to Catholic couples. Bernie loves to work, but in his free time Bernie is very active with his kids, enjoys “date-nights” with his wife and is an avid golfer.



I wanted to express my sincere gratification for the service my wife and I received from The Federal Savings Bank. Even though residing in Milwaukee, Wisconsin we did not hesitate to contact your bank for our home mortgage. In fact, this is the third mortgage either my wife or I have gone through with the Bank or it's affliates; we are tremendously impressed with Bernie Miller and the whole team.

On this loan, Bernie shared with us multiple options and shared the pros and cons based on our personal situation. He knew us well enough to know what we should consider which greatly aided the decision process. Our loan was handled remotely which was fine since we had constant contact whenever necessary. On the day of closing, through your staff's efforts all funding and paperwork were ready - we were in an out in less than an hour!

I am an 11 year Army Veteran. I, like other veterans, understand the value of teamwork, ethics, and responsibility and I place great value on businesses that feel the same way. The Federal Savings Bank is one of those businesses. In fact, I recommended the bank to a friend here in Milwaukee (non veteran) and he also recently closed on his home - thank you!

- Christian W
To Whom It May Concern;

It was the good fortune of my wife and myself to work with Mr. Bernie Miller. His knowledge of mortgage finance was readily made available to us as we determined the best way to purchase our current residence. Every call we made to him was returned promptly and no inquiry we directed to him was treated with anything less than patient response.

In a few words, Bernie was there for us whenever we called; he was knowledgeable; he treated us with respect; and, he represented his firm and himself with integrity. So, it was not only our good fortune to have him work with us, it was a pleasure to work with him. Even though our relationship with him was brief, both Nancy and I regard him with esteem and do not hesitate to recommend him to our friends looking for a mortgage banker they can trust.

I hasten to add that he is a most pleasant person and puts others at ease in his presence. Should the time come when again, we will be looking for a mortgage agent we would in a hair’s breath, choose to work with Bernie Miller.

- Dr Ernest H
Dear Steve:

I just wanted to express my deep appreciation for the way you and your team handled both the financing of my new home in downtown Chicago and the refinancing of my current home in Northfield. I know that super jumbo loans can be a challenging product, and that there were a number of specific factors that made each of my loans particularly complex.

Through it all, you were not only fully supportive but uniquely creative. Likewise, Bernie Miller and Rory Fanning provided fantastic service, always with good cheer. It was truly a pleasure working with each of you on these transactions, and I look forward to an enduring relationship with you in the future.

Best personal regards,

- Gary R S
Dear Mr. Calk:

My wife and I recently returned to the Chicago area from an overseas assignment with my company. To complicate our move, my new assignment required an extensive amount of travel and long days in the office. I just want to say that the level of service provided to me by your Director of Mortgage Banking, Mr. Bernie Miller, far exceeded what I have experienced in previous mortgage transactions..

Mr. Miller accommodated our schedules and made our transaction trouble-free, allowing me to concentrate on other matters. I will highly recommend his services to my colleagues.

Very truly yours,

- Hans D
Bernie –

Jane and I want to express our deepest appreciation for your excellent service in helping us buy our new home. We both know purchasing a home during this time can be stressful and your role during the process exceeded our expectations.

Your diligent efforts in finding the best possible financing package provided just a small glimpse of the caliber of service we received from you. It was instantly comforting to know that we had such a determined and knowledgeable person working with us to achieve all of our goals.

We know that purchasing a house requires participation and communication with many different parties. It was obvious that you worked closely with both attorneys and agents as my attorney made it clear to me that closing was smooth because of your diligence.

Words cannot express how thankful we are for the high level of service you provided. You made the lending process easy during a time in the economy when we know getting a loan is tough. We will absolutely recommend you to friends or family looking to purchase or refinance a home.

Thank you and we look forward to working with you in the future.

- John and Jane W

Judy and I wanted to send a letter to thank you for the incredible job you did during the refinancing of our home. We know receiving a loan during these times can be challenging, and we were confident in your work throughout the entire process.

Your determination in finding the best rate for us did not go unnoticed. You took the time to learn about our particular situation, which ultimately resulted in receiving the best possible financing package.

We would also like to commend you on your promptness in getting our loan to close. We knew refinancing requires many different actions on your part, yet everything was still accomplished in a professional and timely manner.

We will absolutely recommend you to friends and family looking to purchase or refinance a home.

Thank you again.

- John and Judy G
Residential financing is supposed to be 'difficult', and I wanted to thank you and your staff for making it look easy. Thank you for coordinating everything required to help us purchase the home where we will raise our family!

- John and Kandy
To Whom It May Concern:

I am writing to recommend Bernie Miller and his staff to anyone who is about to embark on the home buying process. I am a busy professional, and I really needed someone who was super responsive to guide us through the options and simply execute our home loan! Bernie is a seasoned banker, and I was impressed by the array of options presented by The Federal Savings Bank.

Further, my wife and I are experienced buyers and have owned property before. I had no idea how much the process has changed! Between work and starting a family, we really relied on Bernie's staff and their constant follow up and communication. I know there was a lot of work done behind the scenes, but our purchase and our closing went off without a hitch. There were several things on our plate to coordinate when moving from the city to Northfield, but Bernie made the financing something we did not worry about.

Several of my work counterparts have worked with Bernie, and now I know why they rave about his service. I will be recommending him to all of my family and friends who may need a home loan in the future.


- Kelly G
We wanted to write and let you know how pleased we were with the home financing you put in place to allow us to buy our home this year. You were so helpful in answering our questions and anticipating concerns that we needed to have addressed. Relocating can be a hassle, we quickly realized that the loan was something we would not need to worry about. You and your staff processed the loan quickly and we got exactly the product we expected. Our Realtor also mentioned that it was a very fast approval, which he thought was rare these days. All in all a very positive experience with your organization - it's nice to work with such a professional and experienced group.

If ever I'm in the market for another loan, I would definitely use your services again!

- Mark R
Dear Bernie,

I am writing this letter to express my sincere thanks and those of my wife, Liz, for all the help and commitment we have received from you, Rory and the rest of the people at your bank.

In the last four years you handled eight mortgages, home equity lines and re-finances for us, and each one went without a hitch. You made suggestions that saved us tens of thousands of dollars and you and your staff went way out of your way to make everything convenient for us.

I can assure you that we have never been treated so well. Thank you again for being there for us.

- Philip W
Kris and I wanted to write and commend you and your team for the excellent level of service that was provided while closing our refinance. Both of us are well aware of how difficult getting a mortgage is supposed to be these days and we have to say that you guys made it seem easy. The best part of the process was being treated like a "private client". Through your efforts, we were able to complete the entire transaction without leaving the comfort of our home. With our busy schedules, it would have been impossible to get this done without the level of service and flexibility that you provided. On top of the personal treatment, you were also able to offer the most competitive rate and terms available. Taking all of this into account, you and your team are clearly at a level unmatched by anyone we have ever worked with in this industry. We would without a doubt recommend your services to any friends or family that are in need.

- Rob and Kris S
We are writing to thank Bernie and The Federal Savings Bank for helping us acquire our new home in 2012. Our realtor recommended we speak to Bernie, and we were not disappointed. Bernie and his staff were professional, responsive, and treated our home loan like it was their own. We were particularly impressed with the personal service. Bernie took his own time, sometimes on evenings and weekends, to personally meet with us to present the mortgage options, and to make sure we understood everything about the financing. In the end, we closed on a home loan that was delivered exactly as promised, and we had no questions or concerns.

We would recommend Bernie and The Federal Savings Bank to anyone that needs home financing.

Thank you,

- Stephen C

It's been a couple of months since I closed on my new home, and I'm just coming up for air, but I really want to take this opportunity to thank you for the outstanding service you and your team provided me during the purchase of my new home. Your outstanding service and commitment to helping me secure the best financing with the least amount of effort on my part and no hassles is why I keep coming back.

As you know this is the third home that I have purchased with the assistance of your bank over the last 10 years, not to mention a number of refinances. During this purchase, I was especially impressed that despite the fact that my new home purchase was out of state, the out of town closing proceeded very smoothly and without any hitches.

Thank you all for your outstanding service!!!!

- Sue L