Florida › Jacksonville › First Federal Bank
First Federal Bank
First Federal Bank is a bank: it an FDIC-insured depository institution that lends its own money and offers its own loan products. It has 17 licensed Florida offices: Bonifay, Chipley, Dowling Park, Fernandina Beach, Gainesville, Graceville, Jacksonville, Jasper and more. It is part of FIRST FEDERAL BANCORP, INC..
| Kind | Bank |
| License or charter | FDIC-insured bank |
| Florida offices | Bonifay, Chipley, Dowling Park, Fernandina Beach, Gainesville, Graceville, Jacksonville, Jasper, Lake City, Live Oak, Macclenny, Marianna, Mayo, Ocala, Panama City, Starke, Yulee |
| Legal entity | First Federal Bank, LEI Q708HHR4LD2B7XIZNO92, Active |
| Parent company | FIRST FEDERAL BANCORP, INC. |
| Counties | Alachua, Baker, Bay, Bradford, Columbia, Duval, Hamilton, Holmes, Jackson, Lafayette, Marion, Nassau, Suwannee, Washington |
| Website | ffbf.com |
| Phone | (386) 755-0600 |
| Address shown on its site | 30 PM i Lake City Main Blvd 707 SW Main Blvd Lake City, FL 32025 |
Loan types First Federal Bank lists
Read from the firm’s own website on October 15, 2026. Lender-stated, not verified by LendResearch. Each links to the other Jacksonville firms offering it.
- 15 year fixed mortgages
- Adjustable rate mortgages (ARM)
- Business acquisition loans
- Commercial real estate loans
- Construction loans
- Conventional mortgages
- Down payment assistance programs
- FHA loans
- First time home buyer loans and programs
- HELOCs
- Home equity loans
- Jumbo loans
- Land loans
- Manufactured home loans
- Refinance
- SBA loans
- Small business loans
- Florida Housing and Hometown Heroes loans
- USDA loans
- VA loans
- Industrial property financing
Bank facts from the FDIC
| Total assets | $4,485,958,000 |
| Deposits | $3,438,371,000 |
| Offices nationwide | 29 |
| Florida offices | 27 |
| Return on assets | 1.19% |
| Established | 1961 |
| Headquarters | Lake City, FL |
| Holding company | FIRST FEDERAL BCORP MHC |
FDICFDIC institution record for certificate 31313, latest quarterly filing. Dollar figures as reported.
No 2025 HMDA filing matched to this firm yet. Lenders below the federal reporting threshold do not file.
First Federal Bank offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Lake City | 4705 W Us Highway 90 32055 | Principal office | |
| Bonifay | 300 N Waukesha St 32425 | Branch | |
| Chipley | 1012 Main St 32428 | Branch | |
| Dowling Park | 11035 County Road 136 32060 | Branch | |
| Fernandina Beach | 1891 S 14th St 32034 | Branch | |
| Gainesville | 4200 Sw 34th St 32608 | Branch | |
| Gainesville | 5100 Sw 25th Blvd 32608 | Branch | |
| Graceville | 962 8th Ave 32440 | Branch | |
| Jacksonville | 9700 Touchton Road 32246 | Branch | |
| Jasper | 507 Hatley St W 32052 | Branch | |
| Lake City | 2571 W Us Highway 90 32055 | Branch | |
| Lake City | 4705 W Us Highway 90 32055 | Branch | |
| Lake City | 707 Sw Main Blvd 32025 | Branch | |
| Live Oak | 1102 Ohio Ave N 32064 | Branch | |
| Live Oak | 804 Ohio Ave S 32064 | Branch | |
| Macclenny | 784 S 6th St 32063 | Branch | |
| Marianna | 4215 Lafayette St 32446 | Branch | |
| Marianna | 4701 Highway 90 32446 | Branch | |
| Mayo | 187 N Fletcher Ave 32066 | Branch | |
| Ocala | 206 Sw 10th St 34471 | Branch | |
| Ocala | 5860 W Highway 40 34482 | Branch | |
| Ocala | 8399 Sw 80th St 34481 | Branch | |
| Ocala | 910 Sw 1st Ave 34471 | Branch | |
| Panama City | 415 N Richard Jackson Blvd 32407 | Branch | |
| Starke | 841 S Walnut St 32091 | Branch | |
| Yulee | 40 Floco Ave 32097 | Branch | |
| Yulee | 463845 State Road 200 32097 | Branch |
As of October 15, 2026Source: FDIC office and branch records. Addresses are as filed; call before visiting.
Other lenders and brokers in Jacksonville
- AMMortgage lender
Alcova Mortgage LLC
- 1099 income loans
- Bank statement loans
- Bridge loans
- Cash out refinance
- +12 more
158 FL loans in 2025See this lender - BMMortgage lender
Better Mortgage Corporation
- Florida Housing and Hometown Heroes loans
1,004 FL loans in 2025See this lender - CMMortgage lender
Canopy Mortgage, LLC
- FHA loans
- First time home buyer loans and programs
- Jumbo loans
- Non QM loans
- +3 more
149 FL loans in 2025See this lender - CFMortgage lender
Cardinal Financial Company, Limited Partnership
- Adjustable rate mortgages (ARM)
- Rate buydown mortgages
- Cash out refinance
- Condo mortgages
- +13 more
1,232 FL loans in 2025See this lender 
Mortgage lenderCarrington Mortgage Services, LLC
- Adjustable rate mortgages (ARM)
- Assumable mortgages
- Cash out refinance
- Conventional mortgages
- +10 more
1,296 FL loans in 2025See this lender
Credit unionCoastline
- Cash out refinance
- Construction loans
- Conventional mortgages
- First time home buyer loans and programs
- +9 more
81 FL loans in 2025See this credit union
Duval County at a glance
| Mortgage applications filed in 2025 | 46,349 |
| Loans originated | 21,490 |
| Denial rate | 18% |
| FHA share of originations | 18% |
| VA share | 17% |
| Investor and second home share | 12% |
| Dollar volume originated | $6,887,330,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $580,750 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Duval County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.