Comprehensive Guide to The Federal Savings Bank Phone Numbers and Customer Support (2026)

To contact The Federal Savings Bank (TFSB) for general inquiries or new mortgage applications, call their primary customer service line at 1-877-788-3520. For existing mortgage servicing, payment questions, or escrow inquiries, the dedicated support number is 1-855-654-2174. These lines connect you with specialized departments for VA loans, FHA lending, and conventional mortgage products.

The Federal Savings Bank is a veteran-owned, federally chartered academic institution known primarily for its national reach in the residential mortgage sector. Because the bank operates as a high-volume lender with a focus on specialized government-backed loans, finding the correct phone number depends heavily on whether you are a prospective borrower, a current homeowner whose loan is being serviced, or a business partner. Navigating their telephonic infrastructure efficiently requires understanding how their departments are segmented.

Primary Contact Directory for The Federal Savings Bank

When calling a large financial institution in 2026, the automated response system (IVR) is designed to route you based on the nature of your inquiry. To save time, it is essential to use the number that matches your specific status as a customer.

General Inquiries and New Loan Origination

The main corporate line serves as the gateway for individuals looking to start a new home purchase or refinance journey. If you are seeking information on current mortgage rates, eligibility requirements for VA loans, or the status of a pending application, this is the correct starting point.

• Main Line: 1-877-788-3520
• Operating Hours: Typically 8:00 AM to 6:00 PM (Central Time), Monday through Friday.
• Best For: New applications, pre-approvals, and general banking questions.

Mortgage Servicing and Post-Closing Support

Once a loan has closed, it enters the "servicing" phase. This is where most confusion occurs. The Federal Savings Bank may service the loan themselves or partner with a specialized servicing entity. If you need to discuss your monthly statement, set up autopay, or request a payoff quote, you must contact the servicing division directly.

• Servicing Line: 1-855-654-2174
• Operating Hours: 8:00 AM to 8:00 PM (Eastern Time), Monday through Friday.
• Best For: Monthly payments, escrow analysis, 1098 tax forms, and insurance claims.

Identifying Your Specific Support Needs

The Federal Savings Bank handles a wide variety of financial products. Your reason for calling will determine which specialist you should request when the operator answers.

VA Loan Specialist Support

As a veteran-owned bank, a significant portion of their volume consists of VA loans. If you are a veteran or active-duty service member, you should immediately specify that you are calling regarding a VA product. This ensures you are connected with a loan officer who understands the specific nuances of Certificate of Eligibility (COE) requirements, VA funding fees, and residual income calculations.

FHA and Conventional Lending Departments

For first-time homebuyers using FHA loans or seasoned investors using conventional financing, the bank maintains separate desks. Calling the main number and selecting the "New Loan" prompt will generally lead you to a generalist who can then transfer you to a specialist in:

• FHA Loans: Ideal for lower credit scores or smaller down payments.
• Conventional Loans: Targeted toward borrowers with strong credit and standard equity positions.
• Jumbo Loans: For high-value properties exceeding standard conforming loan limits.

Hardship and Loss Mitigation

If you are experiencing financial difficulties in 2026 and are concerned about missing a mortgage payment, you should contact the Servicing Department (1-855-654-2174) and ask for "Loss Mitigation." This department is legally required to discuss options such as loan modifications, forbearance, or repayment plans to help you avoid foreclosure.

Departmental Quick Reference Table

The following table provides a breakdown of the most common contact points within the organization to help you bypass unnecessary transfers.

Preparing for Your Call: A Checklist

To ensure your inquiry is handled efficiently, have the following information ready before you dial. Financial institutions use strict multi-factor authentication protocols over the phone to protect your data.

1. Loan Number: This is a 10-digit number usually found at the top right of your billing statement. If you are a new applicant, have your application ID or Social Security Number ready.
2. Personal Identification: Be prepared to verify your full legal name, the last four digits of your SSN, and your current mailing address.
3. Property Address: If the inquiry is regarding a mortgage, the specific address of the collateral property is essential for the representative to pull the correct file.
4. Specific Documentation: If you are calling about an insurance claim, have the claim number from your provider. If you are calling about a tax issue, have the correspondence from the IRS or your local municipality in front of you.

Security and Fraud Prevention

In 2026, "vishing" (voice phishing) remains a significant threat in the financial sector. It is vital to verify that you are actually speaking with a representative of The Federal Savings Bank.

How to Verify the Caller

If you receive a call from someone claiming to be from The Federal Savings Bank, be cautious. Fraudsters often spoof caller ID numbers to look like official bank lines. If the caller asks for your full Social Security Number, password, or one-time passcodes (OTP) immediately, hang up.

The Safe Protocol:

• Hang up the incoming call.
• Manually dial the official number: 1-877-788-3520.
• Ask the representative to check the "notes" on your account to see if an outbound call was recently scheduled.

Reporting Suspicious Activity

If you believe your account has been compromised or you have provided information to a fraudulent caller, call the main customer service line immediately. Ask for the Security Department. They can place a freeze on your account and guide you through the process of securing your identity.

Alternative Contact Methods

While the phone is the fastest way to resolve urgent issues, The Federal Savings Bank provides digital alternatives that may be more convenient for non-urgent tasks.

The "MyHome" Online Portal

For existing mortgage customers, the MyHome portal allows you to perform many tasks without calling. Through the portal, you can:

• Download year-end tax statements (1098).
• View your payment history and current balance.
• Submit requests for PMI (Private Mortgage Insurance) removal.
• Update your contact information and communication preferences.

Email and Secure Messaging

The bank does not typically encourage the transmission of sensitive financial data via standard email. However, once you are logged into your secure portal, you can use the internal messaging system. This ensures that any documents you upload are encrypted and handled in compliance with federal privacy laws.

Physical Mail for Official Notices

Certain legal documents, such as Qualified Written Requests (QWRs) or notices of error, should be sent via certified mail rather than discussed over the phone to ensure a paper trail. The primary address for mortgage servicing correspondence is:

The Federal Savings Bank Attn: Mortgage Servicing Department 300 North Elizabeth Street, Suite 3E Chicago, IL 60607

Why Call Wait Times May Vary

Customer service volume fluctuates based on several economic factors. In 2026, you may experience longer wait times during the following periods:

• The First Week of the Month: Many borrowers call to confirm payment receipt or discuss grace periods.
• Tax Season (January–March): High volume regarding 1098 forms and escrow adjustments following local property tax changes.
• Federal Holidays: The bank follows the Federal Reserve calendar. While the automated systems remain active, live support is unavailable on days like Veterans Day, Memorial Day, and Labor Day.

Expert Tip: Calling on a Tuesday or Wednesday between 10:00 AM and 2:00 PM Central Time typically results in the shortest wait times. Mondays are historically the busiest days for all financial call centers.

Frequently Asked Questions

Can I apply for a loan entirely over the phone?

Yes. The Federal Savings Bank has a robust "mortgage by phone" process. By calling 1-877-788-3520, you can be paired with a licensed Loan Officer who will take your application, pull your credit (with your permission), and provide a preliminary decision. However, you will eventually need to provide electronic or physical documentation to verify income and assets through their secure digital portal.

What should I do if the servicing number (855-654-2174) doesn't recognize my loan?

Mortgages are frequently sold in the secondary market. If your loan was recently transferred to a different servicer, The Federal Savings Bank may no longer have your records in their active system. Check your mail for a "Goodbye Letter" from TFSB and a "Welcome Letter" from the new servicer. By law, you are given a 60-day grace period during a transfer where no late fees can be assessed if you send the payment to the wrong servicer.

Does The Federal Savings Bank offer support in languages other than English?

Yes, the bank provides translation services for many languages. When you call the main line, simply state your preferred language (e.g., "Spanish" or "Tagalog"). The representative will connect a third-party translator to the call to ensure clear communication regarding your financial products.

How do I reach the bank for a payoff quote?

A payoff quote is a precise calculation of the remaining principal plus any per-diem interest required to close the account. You should call the Servicing Department at 1-855-654-2174. Be prepared to provide a "good through" date (usually the date you expect the funds to arrive) so they can calculate the exact interest owed.

Is there a separate number for credit card support?

The Federal Savings Bank is primarily a mortgage lender. If you have a credit product associated with them that is not a mortgage, the specific support number is usually located on the back of your card. If you cannot find it, the general line (1-877-788-3520) can route you to the consumer lending division.

Can I schedule a call back instead of waiting on hold?

In 2026, the TFSB phone system often includes a "virtual hold" feature. If wait times exceed a certain threshold, the system will offer to save your place in line and call you back when a representative becomes available. This is highly recommended to avoid staying on the line for extended periods.

Next Actions for Borrowers

If you are a new applicant, your first step should be to call the 1-877-788-3520 number to speak with a loan officer. They can provide a personalized rate quote based on your credit profile and the current 2026 market conditions.

If you are an existing customer with a question about your escrow account or a recent payment, dial 1-855-654-2174. Before calling, log in to the MyHome portal to see if the information you need is already available in your electronic statements, as this can often resolve the issue without the need for a phone conversation.