Create a better future for yourself.

A full mortgage product shelf, in-house underwriting, a 12.5% 401(k) match, and a mutual-bank culture built on 60+ years of putting people first. 

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The kind of volume that speaks for itself.

$1.9 Billion

In residential loan originated in 2024

5,136

Homes funded through residential lending

$1.8 Billion

Funded through warehouse lending

6,748

Mortgages funded via warehouse partners

A stable place to bank and a stable place to work.

First Federal Bank is a community mutual bank founded in 1962 in the heart of North Central Florida. We answer to our depositors, not stockholders, which lets us take the long view on every decision.

For mortgage professionals, that means something specific. Competitive pricing backed by low cost of funds. Direct agency seller servicer status with Fannie Mae, Freddie Mac, and Ginnie Mae. In-house underwriting, title, and training. And national licensing across all 50 states.

You bring the relationships. We bring the infrastructure, the stability, and the team to make the close feel inevitable.

Everything you need to move a loan.

Mortgage work is harder than it used to be. Success comes down to moving loans through the process with speed and confidence. Our product shelf was designed with that in mind.

  • FNMA and Freddie Mac
  • FHA, VA, ARM, USDA
  • Jumbo
  • HELOC and 2nd Mortgages
  • Construction to Permanent
  • Bank Portfolio
  • Bank Portfolio C2P
  • Lot Loans
  • Escrow Hold Back
  • Manufactured Housing

We invest in you as seriously as you invest in your clients

 

 

A liberal and varied benefits package designed around the reality of your life, not a one-size-fits-all template. From retirement to wellness, here's what you get on day one.

401(k) Match 

Up to 12.5%

We match 100% of your contribution, up to 12.5%. Investing in your future is almost as important as investing in you.

Health Insurance

Liberal and varied healthcare options carefully designed to meet the needs of you and your family.

Health Savings Account

Full-time employees can elect pre-taxed deductions to cover eligible out-of-pocket expenses.

Educational Reimbursement

80% of educational expenses up to $2,000 per year, for up to two courses per semester. Applies to degrees tied to your current or future role.

Wellness Benefit

Up to $200 per year reimbursement for health club memberships, race fees, yoga, smoking cessation, or home exercise equipment.

Employee Loan Discounts

Full-time employees get access to special pricing on personal loans, HELOCs, and mortgages.