David Gray Photo

David Gray

Vice President


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 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 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
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
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
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
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.
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