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Mortgage Lending

First Federal is a local, community focused organization. That makes us different. We’re in this together, and helping our neighbors all around Western Washington own homes is part of the reason we exist. How can we help? How can we make the experience better, faster, more convenient? We’re local; all the decision makers live in the communities we serve, and we understand your needs. You have a lot of home lending options at First Federal, and we’ll explore them with you—then put together the combination of terms and a rate that fits your needs best.

Buying, refinancing or building  a home may be one of the most important financial decisions you make, whether you’re searching for your first home, your dream home or a family vacation home. There are a lot of factors to think about, but you won’t have to do it alone. We can help you decide if a fixed or variable rate is better for you, whether a conventional mortgage or some of the alternative home loan options will work best.

Conventional Financing • VA • USDA • Jumbo • Manufactured • Land • Unique Properties • Construction • Home Possible Advantage • Easy Renovation • Holdback Programs

For more information call our Customer Contact Center at 360.417.3204 or 800.800.1577 and ask for a Mortgage Loan Officer.

Apply Online for a First Federal Home Loan!

Simply click here.

View ourfirstfed Mortgage Center

Simply click here.

Verification of Mortgage

Simply click here.

Home Equity Lines of Credit

Click here to apply online!

You can put the equity you’ve been building in your home to work with a First Federal Home Equity Line of Credit. Use your funds for home improvements or additions, for auto financing, for vacations, major purchases, unexpected expenses and more. Interest rates are often lower than other financing options, and your interest may be tax-deductible. Consult your tax advisor and ask a First Federal representative about options to fit your individual needs.

Personal Lending

Click here to apply online!

First Federal is proud to invest in the Olympic Peninsula. One way we do that is by offering the financing you need for new or used vehicles, boats, RVs, vacations, debt consolidation and more. Decisions are made locally, right here on the Peninsula, by neighbors who understand your needs. And because decisions are made here, they’re made quickly.

Business Lending

First Federal wants to be your partner in growing your business. Talk with us about loans for working capital, construction, vehicles, equipment, technology and other business needs.

Commercial Real Estate Loans

First Federal can help with loans for purchase, refinance and construction of income properties in Clallam and Jefferson counties. We can make your ideal business location a reality. Talk with a First Federal representative today.

Overdraft Line of Credit

Don't let the cost and embarrassment of overdrafts take you by surprise. Our Overdraft Line of Credit provides a personal unsecured loan to balance your account if you should overdraw. Apply for your own Overdraft Line of Credit today.


Online Banking


Business Online Banking


Contact Us

Our Contact Center representatives are available:
Mon-Fri 7:00 am - 7:00 pm
Sat 9:00 am - 1:00 pm
Toll Free
1 (800) 800-1577
(360) 417-3204

Chat with us!

  • PO Box 351
    105 West Eighth Street
    Port Angeles, WA 98362
    Routing #: 325170848
    Phone #: (360) 457-0461

  • FDIC
  • Equal Housing Lender