David Gray Photo

David Gray

Vice President


  • Chairman's Club
    2016, 2021
Dave is a mortgage banker in our Naperville, IL branch. He has 13 years of experience helping people finance their homes. During that time he has worked with young couples buying their first home and retirees looking to pull equity out of their home to enjoy their new found freedom. The focus is always on the borrower’s needs. Dave sees himself as a consultant helping the borrower make the right choice for one of life’s biggest financial decisions.

The Federal Savings Bank is one of the largest privately held mortgage banks in the country. As a veteran owned and operated, FDIC insured bank, the entire lending process is completed in-house. We originate, process, underwrite, and fund loans with our own reserves. This allows our originators the ability to offer their clients a wide array of home financing options while maintaining that local banking feel. Our goal is to provide 100% client satisfaction and to be your mortgage banker for life.

Dave has lived in the Chicago area since he was just a little guy. He loves tending to his garden on weekends and spending time with his grandson. He is happily married to his childhood sweetheart.


David Gray is wonderful, very knowledgeable, very easy to work with, very organized

- Allen I
David was very helpful in the process. He was prompt with his responses and transparent with information. I would highly recommend David to assist others with their Mortgage needs.

- Billy T
David is simply amazing.

David Gray was truly awesome in getting this done and saving my wife and I some money. He also shaved 2 years off the loan. Thanks David!

- Dennis Anderson
David was a treasure to work with, he is kind, considerate and a very nice guy with great knowledge of the process. I would thoroughly recommend him!

- Donna M
David Gray is a wonderful human being! The entire time we were working together, he was very knowledgeable, kind and considerate, and just generally a nice person. He was very understanding of my questions and needs and didn't have any qualms about contacting me at MY convenience. I would highly recommend him above ANY agent, ANY time!

- Donna M
The experience that I had with David Gray is the most professional I have had in banking.

Dave is the best! Was always there when we needed anything. Great man.

- Gary H
I was very pleased with David Gray. He was very patience with us and was a pleasure working with David. I will definitely refer David to my friends and would go back to Federal Savings for my next funding.

- James M
David Gray was very pleasant to work with. I would definitely recommend others to work with him.

- Jane P
What's there to say about Dave Gray that hasn't been said already? Simply an outstanding banker that keeps everything on track and keeps everyone calm and happy when there are inevitable hiccups along the way. Thank you Dave!!

- Jason S
David Gray was wonderful to work with. He was quick to communicate with us when we had questions as well as patient and assuring!

David did a fantastic job, he is knowledgeable and great with communication. He adds great value to The Federal Savings Bank as an employee. It was a pleasure doing business with him.

- John P
My Experience with David Gray from the Federal Savings Bank was Outstanding! I worked with David on my first Mortgage Transaction and he did such an excellent job that I decided to go back to him again for this transaction. Thank You!

- Larry J
I have worked with David Gray on a number of mortgage transactions and he is outstanding to work with! I highly recommend him! Thank you David for the excellent service that you provided my wife and I.

- Larry J
After completing my first refinance with Dave, I did another and will work with him again. Felt he was honest and he helped me when i needed help.

- Michael S
I would sincerely like to give a notice to all of the hard work that Mr. David Gray did throughout the duration of this process. He made countless calls, sent me clarifying emails and left very detailed voicemails. I feel as if David really took the time to learn about why I was going through my refinance process and truly cared about helping me get what I wanted out of it. He went above and beyond and exceeded every expectation I could have thought of. I truly do appreciate the hard work and dedication that David presented to me over the may hours spent talking on the phone with him. David himself has given The Federal Savings Bank a fantastic image and I am grateful that I had the opportunity to work with him.

- Nicodemus F
I will always go to The Federal Savings Bank for my mortgage needs. David Gray and his team are the best to work with.

- Otis G
David Gray is fantastic! Walked us through the loan process every step of the way. Dave is very accessible and his communication is by far superb. By phone or by e-mail, he was very quick to respond. We can't thank him enough for helping us and guiding us through the process! He made it as painless as possible and has a wonderful sense of humor, and patience. Thanks Dave and The Federal Savings Bank.

- Patrick K
It's always a pleasure to work with David Gray. He is very knowledgeable and works very hard to get you exactly what you need. He is my go to guy when it comes to mortgage planning.

- Ronald F
The refinance process was very smooth from start to finish. David was very knowledgeable and ran through an assortment of mortgage options for my family. He was very quick to respond to all my concerns, and talked to me almost daily until we closed.

- Ryan G
David Gray and his team are phenomenal!

- Scott N
We loved working with David Gray! He was great to work with and was everything we expected!

- Shawn P
Dave Gray was communicative, friendly, and funny. The process was as stress free as possible since Dave walked and talked us through everything we should expect. Wonderfully helpful, will recommend!

- Solange K
We have worked with Dave on numerous mortgage loans over the last several years and extremely happy with the level of knowledge, support and service he provides. We could not be any happier with our experience.

- Terry H
Dave Gray is very knowledgeable and excellent in communication. Dave made us feel comfortable thru the entire process. We will recommend all of our friends and military family with confidence they will receive the very best care from David Gray.

- Terry H.
We worked with David Gray years ago and I liked his style and thoroughness. When I received an email from David recently, I reached out to him, remembering our good transaction from years ago. He has been wonderful! I would now recommend The Federal Savings Bank, specifically David Gray, to anyone! Thank you for the smooth process from start to finish!

- Tom L
David Gray and team were absolutely amazing in regards to customer service, promptness of communication, and patient explanations. Absolutely will go through him again if I ever refinance or purchase a home again.

- Troy S