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About Florida Capital Bank Mortgage


Who We Are...

Established in 2005, Florida Capital Bank Mortgage is headquartered in Jacksonville, Florida. As an approved Freddie Mac and Fannie Mae Seller/Servicer, FCBM offers Broker, Non-Delegated Correspondent and Retail lending services across the continental United States. We also offer Warehouse Lending services to Banker to Banker and larger Non-Delegated Correspondents. Our financial strength, experienced operational staff, and dedication to customer service are what make us stand out as a lending partner in the mortgage industry. Florida Capital Bank Mortgage operates as a division of Florida Capital Bank, N.A., a nationally chartered, full-service bank.

Some of the most experienced mortgage bankers in the industry make up FCBM's management team and sales executives. Mark F. Johnson serves as President and CEO of Florida Capital Bank Mortgage. Prior to joining FCBM, Mr. Johnson was Executive Vice President of Production and Secondary of a U.S. based mortgage lender.  Andrea Lefebvre joined FCBM in 2008 and serves as Director of Production.  Her tenure in the business included fourteen years as Northeast Regional Manager and National Credit Committee Co-Chairperson at SunTrust Mortgage as well as being recognized as Affiliate of the Year for the northeast brokers association.

FCBM's goal is to create mutually beneficial, long-term partnerships with best-in-class service levels, and competitive price and product offerings every day. This is achieved by focusing on providing reliable customer service, backed by a teamwork mindset throughout the company. 

What We Do...

Florida Capital Bank Mortgage is a wholesale mortgage banker purchasing residential mortgage loans from third party originators. We purchase mortgage loans from approved mortgage Brokers by funding these loans at closing. We utilize the latest technology and offer many electronic "business to business" services to enhance our client's service levels and efficiencies.

What We Offer...

  • Full Product Menu

  • Conventional Conforming and Fixed and Adjustable Rate 
  • Jumbo - Preferred and Select
  • Non-Conforming Fixed and Adjustable Rate
  • FHA Fixed and Adjustable 5/1 ARM
  • VA Fixed and VA Streamlined and IRRRL
  • USDA and USDA Streamlined Assist
  • Interactive Website

  • Pricing - Scenerio Pricer
  • Register and Lock Loans
  • Direct Connect Automated Underwriting
  • Pipeline Management Information
  • Underwriting Approvals and Lock Confirmations Online
  • Manuals and Guidelines
  • Superior Underwriting and Closing Turn Times
  • Automated Underwriting Sponsorship for DU
  • Electronic Delivery of Closing Documents
  • Experienced and Dedicated Staff



Digital Accessibility

Florida Capital Bank mortgage is committed to understanding every customers’ individual needs. This helps us more effectively deliver the products and services that help them achieve their financial goals. We want to ensure all of our customers can enjoy banking independently and with ease. That’s why we continually look for ways to make our facilities, services and accommodations more accessible for everyone. Starting in August 2018, this website is being optimized to conform with the World Wide Web Consortium’s recommendations for web content accessibility guidelines. We are beginning with an audit, remediation and testing in an effort to conform with meeting WCAG 2.0 Level AA Success Criteria. Reaching digital compliance with the Americans with Disabilities Act (ADA) will be an ongoing effort. If you encounter issues with any page or feature on this website that may present a challenge for site visitors looking to access this website, please submit your feedback through our Contact Us page.

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