Applications / Mortgage Analytics / Lenders / Florida / Brannen Bank
Inverness, FL · State non-member bank · FDIC · $1.1 billion assets · 308 loans in 2025
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308
loans originated, 2025
389
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Brannen Bank, a Florida bank, ranks third among 377 lenders in Homosassa Springs, behind only United Wholesale Mortgage and Rocket Mortgage, and makes larger loans than most similar banks.
It has lent in Homosassa Springs since 1995 and holds 5.3% of the market, down 1.1 points from 6.4%. Its own loans rose 7% to 308, so the dip may reflect faster growth by rivals rather than less lending of its own. Elsewhere its shares are small: 0.2% in Ocala and 0.1% in Gainesville.
Purchases made up 77.3% of its loans and refinancing 10.1%. All were conventional. Its growth sat near the middle of similar lenders (state non-member banks making between half and twice as many loans), whose typical growth was 9%.
Its typical loan was $275,000, against $175,000 at similar lenders, larger than at more than four in five. Jumbo loans (larger than the conforming limit) made up 4.6% of its lending, against 1.3%.
Low- and moderate-income (LMI) borrowers took 17.5% of its loans, against 28.4% at similar lenders, lower than at nearly nine in ten. Its larger loans and its focus on purchases, which tend to go to higher-income buyers, are possible reasons. Its share in LMI neighborhoods, 15.6%, was near the middle.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Brannen Bank took 389 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.3% · Refinance 10.1% · Home improvement 6.8% · Other 5.8%
Conventional 100.0% · of 308 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 308 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Homosassa Springs | 193 |
| Tampa | 83 |
| Ocala | 19 |
| Gainesville | 5 |
| Wildwood-The Villages | 5 |
| Orlando-Kissimmee-Sanford | 2 |
| St. Petersburg-Clearwater-Largo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VS8Y4N1Y2J0S91 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 760331 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 35676 | 2009–2017 |
Established 1 July 1926. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Brannen Bank's data.
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