Edyta Pluta-Czarnecki  Photo

Edyta Pluta-Czarnecki

Vice President


  • FNMA Homestyle
  • Veteran Lending Specialist
  • FHA 203k Specialist
  • Chairman's Club
Edyta Pluta-Czarnecki was born and raised in the South East part of Poland where she graduated from the local college with a degree in psychology. After graduation, Edyta relocated to the United States to continue her life journey and has called Illinois home for over thirty years.

Edyta has over twenty years of experience in the mortgage industry. Before joining The Federal Savings Bank, for five years she worked for a private investor on non-performing mortgage accounts. This allowed her to develop additional outlook on foreclosure process outcomes and homeowners experiencing financial difficulties.

She continuously assists clients in making positive decisions for their future. In addition to acting as a trusted guide to her clients, Edyta actively works to educate clients on their mortgage options and believes in helping people develop skills needed to maintain a positive financial lifestyle. By joining The Federal Savings Bank, Edyta can provide a wide array of products and unmatched service to her customers, realtors, and referral sources. She continues to focus on growing and improving daily, both personally and professionally.

Edyta’s biggest joy in life is her ten year old son Matthew, who loves to read and play soccer at the local park district. When away from work, she likes to travel locally as well internationally. She also enjoys being outdoors, is an avid hiker, cycler and loves DIY projects.


Edyta Pluta was very knowledgeable and professional, she went above and beyond to provide an outstanding service. Definitely will refer her to my friends and family and also will use her service in the future with another house.

- Agnieszka N
As first-time home buyer, Edyta walked me through every step of the way , including advice that went above and beyond! My experience was seamless , stress-free, and pleasant.

- Armir D
Edyta was outstanding from the very beginning, all the way thru the end! We are so pleased the way she handled everything! We would highly recommend your company!

- Barbara C
Loved working with Edyta! She was professional, knowledgeable, and precise. I am an entrepreneur, and refinancing my home had been a challenge. She helped me navigate the process easily, even thought of all the additional requirements and requests, it was always simple. She kept calm and had control of the process. Thank you so much!

- Cristiane S
Edyta Pluta-Czarnecki kept me informed and was great. She did a wonderful job. She worked with us in all of the process and was very helpful.

- David H
Edyta Pluta-Czarnecki was a real pleasure to work with. She was very professional and met all my deadline needs. She's very knowledgeable and went above and beyond to make the refinance process go smooth from start to finish. I couldn't have asked for a better experience with my refinance. I will be sure to refer friends and family to The Federal Savings Bank in the future.

- Germaine D
This is our second time working with Edyta and The Federal Savings Bank. We refinanced our first home 8 years ago and now purchased a second home and Edyta was nothing but spectacular every step of the way. Every timeline she put in place she followed through on and she was with us right to the end at closing. I would highly recommend Edyta and her team in the future. Thank you!

- Gregory B
Our loan officer has literally made our dream house come true. We were in a tough situation when we were faced moving again to another rental and Edyta saw our concerns on Facebook and showed us how we should buy instead of rent. I never would have had the confidence to do this without her reaching out. She was super responsive and knowledgeable. She was always there for communication during the process. She stayed super positive even with the constant nagging questions we threw at her. Because of her, our family now can finally set roots down. Thank you!

- John C
I would like to give my special thanks to Edyta Pluta-Czarnecki and her team for getting me financed for my dream house. My case was very difficult due to being self-employed and with all the extra work and attention needed to get approved. Previous lenders that I worked with did not want to put in the extra effort and time necessary to accomplish the set goal. Working with Edyta and her team was reassuring throughout the whole process that things were being handled professionally. Daily communication was outstanding. Thank You!

- Kamil L
Edyta was very professional and super helpful. She's very knowledgeable and a really good advisor. I will definitely recommend her to all my friends and family.

- Katarzyna B
Great costumer service! Edyta was very knowledgeable and on track of everything ready to answer all the questions. Very recommendable!

- Katarzyna B
It's a pleasure to work with Edyta and her team. She made the process very smooth from start to finish. She was also able to answer all my questions and gave me the best advice about my loan. I will definitely recommend Edyta to anyone who is in need and look forward to doing business with her.

- Khoa D
Miss Edyta Czarnecki is very professional and patient with customers. Takes time to understand a client's needs, explaining everything very well. I am very happy with the results and I will for sure be a returning customer. Thank you!

- Margaret F
Edyta Czarnecki is very professional and patient with customers. She takes time to understand clients' needs and explaining everything very well. I am very happy with the results and I will for sure be a returning customer. Thank you!

- Margaret F
As a small business owner I have an insight to what makes a valuable employee knowledgeable, prompt, great customer service, and pride in their work. Edyta excels in all of these areas plus she cares about her clients and is a tireless worker, working late regularly! I felt very lucky to have someone like Edyta!

- Mark F
Thank you for all your help Edyta. You made our 1st time experience great... we love our new house!

- Michael M
I am very pleased with the entire process! Thank you The Federal Savings Bank, and to everyone who helped me purchase my home!

- Nancy K
Edyta was wonderful. Prompt, extremely helpful and a pleasure to work with. Our loan actually closed six days earlier than scheduled in the offer/acceptance.

- Philip M
We were granted a mortgage at a very good rate. It was prompt and much less stressful than any previous experiences.

- Ralph B
Edyta was on top of this transaction from the beginning to the end. She is a workaholic because she would call anytime between 9:00 in the morning and 9:00 at night. She has an extreme knowledge of the mortgage industry and was able to instruct in advance to prevent a potential problem as opposed to other mortgage bankers who would only help after their was a problem.

- Robert H
Edyta was absolutely a pleasure to work with. She walked me through the online submission of documents and each step of the mortgage process. She put me at ease and her confidence gave me the assurance I was working with an expert. I will refer anyone I know who is looking for a mortgage to Edyta at The Federal Savings Bank. She provided top notch service and is truly an asset to the organization!

- Tamara D
I want to thank my loan officer Edyta, she is awesome. She made our experience in buying a house very exciting and she worked really hard to make our process go smoothly.

- William R
Edyta was the best banker I ever worked with. Very quick, professional, and responsive. Would highly recommend to others.

- Wojciech M