Jose Cardenas Photo

Jose Cardenas

Vice President


  • Chairman's Club
Jose Cardenas is an Arizona native and graduated from Arizona State University with a degree in Business Communications. During this time, he was involved on the Philanthropy Committees of various student organizations. His passion for finance and helping others lead him to a career in the mortgage industry.

Since college, Jose has been recognized as a top performer from one of the largest banks in country and later with one of the largest mortgage lenders in the country. Jose credits his extensive mortgage knowledge and a ‘client first mentality’ as the reason for his success. Whether it is a first-time home buyer or someone on their fourth refinance Jose ensures each client receives superior service, a commitment to their needs, and an efficient process.

Jose currently resides in Tempe, Arizona. In his free time, he loves spending time with his family whether it’s travelling, going to concerts, or trying out some new cuisine!


Jose Cardenas was a pleasure to work with. The system in place for processing was really great and worked really well because I could scan the documents to complete and send right back to Jose via e-mail. Overall I was very satisfied with the process and given the opportunity, I would gladly recommend potential borrowers to Jose. Before I refinanced I had been inundated with calls from multiple lenders wanting to refinance my property. I usually don't answer them, but for some reason I did answer Jose's call. He was able to convince me to go ahead with my VA refinance and offered me the interest rate I was seeking. Jose was very professional and easy to work with. I am a Realtor and have been around many lenders since 1986. Jose is one of the best. I preferred to choose a lender outside my area because I didn't want lenders I knew to feel slighted by one in the community.

Jose Cardenas was very professional! He was courteous, prompt and knowledgeable. I enjoyed working with Jose.

- Deborah M
Jose Cardenas has done a great job working with us. He steps in and makes the process easer! He is a good partner thru this experience.

- Jose S
Very professional service. I am very pleased with the process.

- Michael L
He is my broker for life. I'm thinking about buying in San Diego down the line he will absolutely have my business again and again. We couldn't be more satisfied! This man is an asset to the company and above all he does exactly what he sets out to achieve and that is a rare commodity in this day and age. Jose keep up the good work and thank you for being honest, informative and prompt, best regards.

- Michael L
Jose Cardenas was an awesome banker

- Omar L
Jose and team did a wonderful job working with my situation and very patient on working with me to get my score to a level of benefit! Thank you

Hello, we are very Happy and Satisfied with The Federal Savings Bank, along with Mr. Jose Cardenas' Team. The ease of submitting data via text, email was ideal and practical. Mr. Cardenas was very Sincere and Knowledgeable throughout the whole process. Please give Mr. Cardenas and his Team a Big Thank You and maybe a bonus. Thanks

- Pattie C
Will recommend your banking institution to others including my daughter and husband that are high ranking doctors in the Navy.

- Raymond K
My Daughter also benefited from Jose Cardenas personal attention on her home refinance

- Terry L
Service was awesome! Jose was such a pleasure to work with He never gave up on us. Though we were not interested at first He worked so hard to ensure we got the best deal and saved us a lot of money. His knowledge and professionalism was on point. we are extremely satisfied with the entire process. Thanks so much.

Jose Cardenas was extremely helpful and I really appreciate his outstanding service. Thank you very much!