Of all the mortgage services we provide at CBC National Bank Mortgage®, a division of First Federal Bank, our core focus is simply this: to put our customers first. Since we opened our doors in 1999, our commitment has always been to provide nothing less than an exceptional experience in everything we do. It is because of that unwavering dedication to service and our customers’ resulting loyalty that we remain a thriving regional bank.

About CBC National Bank Mortgage

Since opening its doors in 1999, CBC National Bank Mortgage, a division of First Federal Bank, continues to aspire to be a step above the rest. With the slogan Big Enough to MATTER…Small Enough to CARE, CBC National Bank Mortgage employees treat each and every loan document like it is their very own. The manner in which we deliver our products is as important to us as the products themselves.

Our staff consists of experienced mortgage banking professionals who are committed to providing extraordinary customer service, plus the convenience of a personal touch to every loan. CBC National Bank Mortgage can provide you with the best innovations in the mortgage industry because we offer a variety of loan program options to meet your needs.

Our employees are active members of the community that care about you and your neighbors. So if you are looking for a mortgage company with a long record of dependable mortgage banking, and an even longer list of satisfied customers, then be sure and look our way!

CBC National Bank Mortgage offers a whole new way of doing home loans, with an attitude that is as independent as you.

Company Timeline


June 30, 1999

First Capital Bank Holding Company, headquartered in Fernandina Beach, FL, raised capital in a public offering to charter and establish First National Bank of Nassau County.


June 30, 2000

Coastal Banking Company (CBC), headquartered in Beaufort, SC, raised capital in a public offering to charter and establish Lowcountry National Bank.


June 30, 2005

Coastal Banking Company acquired First Capital Banking Company and became a multi-bank holding company operating Lowcountry National Bank (with three offices in the Beaufort market area) and First National Bank of Nassau County (with offices in Fernandina Beach, Jacksonville, FL and Savannah, GA).


June 30, 2006

First National Bank of Nassau County acquired the Cairo Bank in Meigs, Georgia, which was renamed The Georgia Bank.


June 30, 2008

Lowcountry National Bank, First National Bank of Nassau County and The Georgia Bank merged and legally began operating under the name CBC National Bank.


June 30, 2011

All Coastal Banking Company affiliate institutions began officially using the name CBC National Bank.


June 30, 2013

CBC National Bank SBA Division is #1 in Florida for Community Banks Headquartered in Florida for 7a Lending.


June 30, 2015

CBC National Bank’s Mortgage Division Surpasses $10 Billion Loan Production Milestone, Earns National “Top Lenders” Recognition.


July 9, 2015

CBC National Bank’s SBA Division Surpasses $250 Million in Loan Production and Ranked #1 in Florida Again.


June 29, 2016

CBC National Banks Acquires First Avenue National Bank of Ocala, FL. CBC National Bank Mortgage Division Surpasses $13 Billion Loan Production Milestone.


April 2, 2018

First Federal Bank of Florida acquires CBC National Bank.