Ryan Farhat Photo

Ryan Farhat

Regional Senior Vice President


Our Mortgage Bankers dedicate themselves to our clients’ satisfaction by stewarding them through the loan process from origination to closing. Through our exceptional service, we cultivate long-term, lasting relationships with our clients.

Most individuals think about mortgage financing a few times during their life. We think about it every single day. The decision to purchase or refinance a home is an important one. Of equal importance is the selection of a mortgage officer. A detailed-oriented mortgage officer with honesty and integrity is of concern. Ryan has earned the reputation for quick loan approvals while developing long lasting rapport with his clients. He works diligently and passionately to create an exceptional experience for his customers that is enjoyable, valuable, and memorable. You can feel assured that you are entrusting the largest financial commitment of your life to one of the most highly qualified and ethical loan officers in the nation. He has personally closed over $300,000,000 in loans during his 10 year career. Prior to transitioning to The Federal Savings Bank, Ryan managed a Consumer Direct channel at a large national banking institution that produced over $1.8 billion in loans in a period of two-years. He is a graduate of Western Michigan University, BBA, with a major in finance, minor in economics.

When Ryan isn’t attending to his clients, you will find him on the golf course, playing tennis, jogging with his dog, at the gym, or out socializing with friends.


It was nice to work with you. The process was pretty easy and straightforward. It was especially easy that I could do everything from home Take care.

- Debbie P
Thank you for your assistance. Maybe we will cross paths again in the future. I appreciate the service you and your company provided.

- Don Z
Thanks for all the help and hard work. You were great, even Joan, our “tiger lady” real estate agent, was raving about how wonderful you were during the entire process. We couldn’t be happier. I will definitely refer to you.

- Ken and Chole
I'd like to compliment one of your employees, Mr. Ryan Farhat, for the excellent service he provided me over the past few months refinancing my home loan. Through constantly changing circumstances and unforeseen challenges, Ryan remained dedicated to the task to successfully see my loan was processed at the best rate and terms possible.

At first, I was a little suspicious of refinancing my home loan with a bank that was remotely located. However, Ryan’s professionalism, responsiveness to my calls and ability to get to quickly get things done exceeded all my expectations and quickly alleviated any concerns.

As a retired military officer, I have grown accustom to being presented several options, along with the positive and negative risks associated with each option. Ryan’s approach to working with me made for a natural partnership built on trust and competency. Additionally, all of his professional recommendations proved very successful and beneficial.

As evidence of Ryan’s commitment to exceptional customer service, I will wholeheartedly and without reservations recommend Ryan Farhat and The Federal Savings Bank Direct to my family, friends, and fellow veterans.

- Lance L
Ryan guided us through a seamless refinancing process. Our efforts throughout were more than compensated by the low VA interest rates The Federal Savings Bank offered. He was accessible. Your support and hard work was appreciated.

- Larry H
Ryan - I touched bases with Ken on the cell phone. Gave you A+++ rating.

- Matt V
The whole loan process was very easy and I was kept informed all along the way. I appreciated how prompt you were in answering my questions.

- Michael Z
The closing on Wednesday night went smooth. I wanted to thank you for making this process relatively painless. It was a pleasure doing business with you guys and I will recommend you to any of my friends considering a refinance.

- Neal A
I have completed the survey as requested. I would like to point out as I did in the survey that this was the most pain free refinance I have completed yet. I greatly appreciated Ryan and his teams efforts at making that happen. Additionally, I might not of even have thought about refinancing again (within 8 months or so of my last refinance) unless Ryan had called me and indicated I should look into it based on where rates had dropped. I will continue to gladly recommend Ryan and Federal Savings Bank to my friends and neighbors, of which Ryan has already helped out one of based on such recommendation.

- Neal A
I just want to say thank you to you, Vito and your staff, that assisted us with the refinance of our mortgage loan. We know our finances were complicated but you and your staff were able to pull everything together for approval.

- Oliver and Jane W
I had a tricky refinance that I was trying to work through and I worked with several other banks. All of them resulted in lost time and no progress. Ryan was recommended to me and I reached out to him to see if he could do what others could not. After our first conversation I was very optimistic that he could help me.

During the process Ryan was very diligent and kept me in the loop with the progress. Anytime a challenge came up Ryan would explain to me what was happening and what we needed to do to get through them.

At the end of the refinance Ryan's team came to me for the closing. They were also on time and very knowledgeable.

Overall I felt very comfortable, informed and confident in all aspects of the refinance. Thanks to Ryan we are saving hundreds a month!

- Sam L
You in particular have been very helpful throughout the loan process and have appreciated it. So in closing, my wife and I want to thank you for handling our refinancing. This will be the last mortgage papers I sign the remainder of my life and this experience with you has been a very pleasant one. You talked the talk and you sure walked the walk saying I would close in June and we did!!

- Scott A