Brian Kohlstedt Photo

Brian Kohlstedt

Senior Vice President


  • Veteran Lending Specialist
  • FHA 203k Specialist
  • Chairman's Club
    2012, 2013, 2018, 2019, 2020, 2021, 2022
Brian M. Kohlstedt graduated from the University of Illinois at Urbana-Champaign in 1997 and has been in the mortgage business for over 17 years. Brian is currently a Senior Vice President with the Federal Savings Bank. Brian's strong work ethic, professionalism, and over a decade and a half of mortgage banking experience make him a vital part of the team at The Federal Savings Bank. Whatever your financial goals, you can be assured you will get programs tailored exactly to your needs as well as the best service offered in the mortgage industry.

Born and raised in the southwest suburbs of Chicago, Brian spends a considerable amount of time involving himself in his community. Brian and his wife currently reside in the southwest suburb of Homer Glen with their four children and two Labrador retrievers. When he is not helping his clients achieve their goals of home ownership, he enjoys rooting on the Bears, White Sox and Blackhawks and visiting cultural events only available in the world's greatest city!


We couldn't be more pleased with our Purchase transaction from application to closing. TFSB was able to help us when all other banks were telling us that it would be at least 6 months to a year before we could even apply for a mortgage due to changing employment. Brian Kohlstedt and his team went above and beyond to find the right product for our circumstances and get us from application to closing in under 60 days. Every single part of the process from application to Processing, to Underwriting, to Closing was handled professionally and efficiently with excellent communication. Our title agent was very impressed with how smooth closing and funding went. Thank you so much for a job extremely well done.

- Alexis T
Brian and his team were able to help us close in under 30 days. They were great to answer any questions, and were always available for us no matter the time. Brian has been helping us for over 6 months with the process and had an updated preapproval for us in minutes every time we asked for one. I will only use Brian and his team for any mortgage needs in the future!

- Andrew R
What a great experience this loan process was. Brian Kohlstedt and his team were absolutely professional, courteous, helpful and knowledgeable. I would recommend TFSB to anyone!

- Andrew W
Brian and his team did a great job. This was my first home buying experience and I never imagined it to go so smoothly.

- Bradford C
Brian and the whole team were awesome! I hated the mortgage process when I bought in 2014, to the point where I considered renting for the foreseeable future. However, I was shocked at how smooth the process was this time around. Kudos to the whole company. I will definitely recommend Brian to my friends and colleagues, and will use you guys again when it comes time to upgrade in a few years.

- Dain F
Wanted to send a quick note to thank you and your team for all you help in our recent property financing. You took what could have turned out to be an difficult financing situation and successfully navigated it through the process to its desired conclusion. Along each step, you and your team proved to be knowledgeable, polite, professional and consistently available to me. Every call and email was returned in a timely manner. I don’t know what more can a person could ask for in a mortgage broker. Thanks again Brian for all your support and assistance.

- Daniel C.
Brian and his team were fantastic. I have been trying to obtain a mortgage for 2 years, they were able to guide me in the direction I needed to go. I was able to get the approval within a month of doing what they said I needed to do. During the process they were able to answer and assist with any questions we had. I highly recommended Brian and his team.

- Daniel M
Brian and his team were outstanding, and I appreciated Gina and Belen's prompt response to inquiries! After being a Realtor for many years, buying your own home is always a humbling experience. Brian and everyone at The Federal Savings Bank made the process as smooth and quick as possible! THANK YOU!

- Erin E
What you guys did for my husband and I was completely, and utterly, OUTSTANDING!! I feel there simply are no words that can explain the gratitude I have for the precedence and attention you provided to us in our time of need. Such a sweet ending to a very bitter sweet journey for us and could not have done it without your team.
THANK YOU AGAIN!! You have most definitely earned a customer, and her referrals, for a lifetime to come. ;-)

- Jamie M
I want you to know that I would rate everything as excellent.  I was originally referred through my sister who recommended Brian Kohlstedt.  He was great in handling everything very efficiently and timely.  He called us to let us know about the great new rates and I have never had someone take the time and interest to do this.  He is very professional and made everything easy for us.  We have a very difficult travel work schedule and Brian was very flexible to make everything work with our schedule.

I would highly recommend Brian and had a great experience.

- Jeanine D
Brian stuck with us for several years of house hunting, always patient while we filled out several contracts, many of them falling through. He was available all hours to explain things to us, even texting us from his kid's baseball games! He went above and beyond by reviewing contracts and demystify the home buying process. And finally, when we DID close on a home, he was with us the entire time, and attended the closing. He is more than a banker - we consider him to be a friend!

- Jenny M.
Dear Brian,

I would take a moment to thank you and your staff for your incredible efforts, support, professionalism, and above all your results. What was most impressive is that everything you said would happen actually came through. I learned that the lending industry has significantly changed in the past years and it was quite impressive how you managed the complexity of such a temperamental system. As cliché as it sounds, I am now living in my dream home with your help, guidance, and resolve. Thank you again and it will be my honor to send you more business.


- Jeremy C
Such a great team, Brian, Gina and Belen. Putting aside the extreme amount of paperwork that is required just to get a loan in the US done the process was relatively painless. Great online tools and use of esignatures, speedy responses and a great human touch. Thanks for the expedited application.

- Jessica L
Brian Kohlstedt and The Federal Savings Bank have provided excellent service when helping us with our mortgage loan. When we met, my fiancé and I were nervous about the experience of buying our first home. Brian was very helpful and reassured us that things would go smoothly. Moving into a new home can be a busy and complicated experience, with endless work and planning. We were happy that our loan approval process was pain-free, so we could worry about other things.

- Jim and Maggie C
Thanks to you and The Federal Savings Bank for helping me manage my mortgage in Desert Mountain. As you know, we are excited to have a full-time foot print here to come and go as we please. This wouldn't have happened if i wasn't referred to Brian Kohlstedt and his team.

- Jim B
I had the pleasure of being introduced to Brian seven years ago as he was selected as the preferred mortgage company/lender through my condo developer. When comparing rates/costs from Brian against his competitors, Brian’s came in the lowest. Not only is he very professional to work with but he was very flexible around my busy work schedule and thus made the financing process seem simple and easy. Brian makes a point to reach out to his customers to inform them when interest rates have changed and calculates if refinancing maybe a good option for the customer. Because of Brian’s experience and customer service, I have enjoyed working with him on multiple financing transactions and I would highly recommend him to others.

- Karin S
Thank you for making my first time buying a home so easy!

- Kristin H
Dear Brian,

I cannot express my sincere thanks to you and your staff, especially Belen Romero, in enabling me to purchase a condo in the city.

After much discussion with my family, I decided to sell my home of 30 years to downsize and move into the city to be by my children and grandchildren. To help me make this transition to the city, I planned to work with my current bank to purchase my condo. Everything with my bank had been running very smoothly until closing. On the day of closing everything fell apart, and I could not get any answer from my bank about what was happening with my home loan.

After many unanswered calls and emails with my current bank regarding information about my situation, my financial counsel recommended that I contact your bank for assistance. After speaking to you on the phone that day about starting the process all over again, mortgage application, another appraisal, and other duplicate costs such as additional closing costs to attorneys, cancellation of contractors to finish floors, paint, boarding animals, etc. your bank pulled off a miracle. You were able to close on my condo within 10 days of my first phone call!

I am so very thankful for you and your staff, and your unbelievable miracles you were able to do. I am so happy to tell everyone I know who ever needs help with a mortgage to contact you and your bank.

- Laurie J.
Loved working with my team! Great communication and outstanding service!

- Lori O
We just wanted to write you a quick note to say thank you for all of your guidance, support, and help during the last six weeks and throughout our first condo purchase. We know that there were a bunch of hurdles and twists and turns getting us to close and we really appreciate all your hard work getting us through it. It was great working with you. Please pass along our thanks to your whole team as well.

- Matt and Michele
Just a brief note to express our gratitude and satisfaction with you. You were fantastic to work with and your service could not have been more professional. You were totally prepared for each and every meeting we had and we really appreciated the timely manner in which you communicated each step of the process as we refinanced our primary residence. Thanks again and we look forward to working with you again when we determine the time is right for us to refinance our lake home.

- Michael and Molly
I was shocked at how fast my loan was processed! every single person I delt with was always professional and personal. I have never dealt with a company that communicated with me so well, and always got back to me same day if not in minutes. they processed all my paperwork extremely fast and kept me in the loop in everything they did. Brian and his team made sure they were always there for me with any questions I ever had. I can tell that they are a well oiled machine that work very well together. They demonstrated what is means to really provide next level service to the customer that my peers did not have when working with their lender. my hats off to Brian and how well he leads his team and hats off to the company for training and having superior people working for them..thank you and I look forward to doing business with the bank again and recommending the same services to others.

- Michael O
This was a very smooth loan process from beginning to end. Everyone that I dealt with was knowledgeable and professional and was able to answer any questions I had. I was impressed that I was able to handle most paperwork via the internet until final closing. All in all it was a very positive experience and I would definitely give my highest recommendation.

- Monika C
I would like to take a moment to recognize the outstanding service I received from Brian Kohlstedt during the purchase of my new home.

It was under a stressful, anxiety ridden, and unfortunate circumstance that I came into contact with Brian.  I was less than 48 hours to the close date on my new home when Bank of America, the lender who I had been working with for a month and a half, denied my loan application due to concerns regarding my allowable income.   It was frustrating beyond words, as I had been given every assurance from Bank of America that I met all income criteria for the loan, yet at 5:15pm on Wednesday, 4/13 I was told that the maximum amount Bank of America would lend me was less than half of what I was requesting for a loan that was to close Friday, 4/15, at 9:00am. 

I was completely distraught and unsure of what to do.   I was fearful that I was about to lose the home my family and I had spent months identifying and pursuing.  The next morning I was referred to Brian Kohlstead from a physician customer of mine at 9:00am on Thursday, 5/14.   I immediately called him to discuss my situation and almost instantly I noticed a night and day difference between him and the loan officer at Bank of America.   Brian’s high level of knowledge, integrity, and professionalism instantly put my mind at ease and after describing the details of my situation he felt confident I was qualified for far more favorable terms than those which Bank of America had switched me to at the 11th hour.   Understanding the time sensitivity of the situation, he gave me a very clear and direct list of what he would need from me in order to assess the loan amount he would be able to extend.    I emailed him all the requested documents at 9:30am and by 10:30am he had reviewed all of my information with his underwriter who works in the same office and had given me a conditional pre-approval for 90% of my initial loan application from Bank of America with closing date in 8 days, 4/22.   Brian took the time to speak with my attorney, my realtor, and the seller’s realtor and was able to set everyone’s mind at ease regarding my loan situation and make all parties comfortable with extending the closing by a week.  By 4:00pm on 4/14 I had received the official loan commitment letter from Brian's company.   In summary, Brian and his staff(who are all in the same office) were able to accomplish more in under 7 hours than Bank of America’s dysfunctional and disjointed team of loan officers, processers, and underwriters(who are all located in different cities) were able to in a month and a half.  The level of efficiency displayed by Brian was nothing short of amazing, and without Brian’s extraordinary effort there is no doubt that my family would have lost the house we had spent months working to obtain.

A week later we seamlessly closed on our new home and all parties involved walked away happy. Words cannot describe how grateful I am to have come in contact Brian Kohlstedt, a true professional in every sense of the word.  Brian’s incredible work earned him a customer and referral source for life.  It is with full confidence that I strongly recommend Brian Kohlstedt to anyone and everyone seeking financing on the purchase of a home.

- Patrick V
Brian, Belen and Gina were awesome to work with. I was really impressed and felt this team was behind us from start to finish which is not always the case in this market-they are A1 (really good at what they do).

- Paul H
It's always a pleasure working with you. Thanks for all your diligence and hard work. You are a true professional.

- Ray and Lori
Great experience. Everyone was very helpful and the process went very smoothly!

- Robin F
A very smooth and quick experience from start to finish-- all my questions were answered when I got started with Brian. From day one, he communicated clearly with me about the loan terms and my options. Because of my income level, I was eligible to receive a grant at a slightly higher interest rate. Brian talked me through those options and helped me compare, bringing his high level of understanding to our conversations. Afterward, I knew exactly how much each would cost, and what I could gain from keeping my interest rate low. My loan estimate mirrored those terms and was laid out in a way that was very easy for me to understand. Even as an individual with no experience buying a home, it is easy for me to see that I am getting a great deal on my new residence, while investing in my future at the same time. Once we were all set and the application was underway, Brian and his team maintained consistent communication with me, my lawyer, and my realtor so the conversation could keep moving with the buyer. The only hiccup in my process was that the appraisal took a long time to come back, which is a normal occurrence from what I can tell. Even with this, we were able to get to the closing table on time-- The only reason it occurred a single business day late was that I had a very important workday to attend on the scheduled closing day. The team consistently reminded me of tasks that needed to be finished up on my end-- which kept the process moving smoothly along as well. Very glad to have brought my business to the Federal Savings Bank in Chicago.

- Shane M