Applications / Mortgage Analytics / Lenders / Florida / Climate First Bank
Saint Petersburg, FL · State non-member bank · FDIC · 173 loans in 2025
Climate First Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
173
loans originated, 2025
311
applications, 2025
16
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Climate First Bank, a Florida bank that first reported in 2025, makes big loans to home buyers: its typical loan was $615,000, and 38.1% were jumbo (larger than the conforming limit).
Home purchases made up 90.2% of its loans. Its typical loan was $615,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans). Its dollar total, $174.3 million, was far above their $40.9 million. Both figures were higher than at nearly all peers, and so was its jumbo share.
In its first reported year it lent in 43 metros and 61 counties. Its biggest share was in Crestview-Fort Walton Beach-Destin, where it ranked 24 of 606 lenders with 1.0%. In Orlando it ranked 89 of 854, and in Tampa-St. Petersburg-Clearwater 258 of 925. Its record begins in 2025, so earlier lending is not in the data.
Low- and moderate-income (LMI) borrowers took 3.0% of its loans, against 27.9% at peers, and LMI areas 5.8%, against 17.6%. Both shares were lower than at more than nine in ten similar lenders. Its large loans and jumbo lending are possible reasons. Majority-minority areas, by contrast, took 11.6% of its loans, against 6.1% at peers.
FHA loans (insured by the Federal Housing Administration) were 3.5% of its lending and VA loans (guaranteed by the Department of Veterans Affairs) 4.0%. The typical peer made none.
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, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Climate First Bank took 311 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 90.2% · Refinance 9.8%
Conventional 92.5% · VA 4.0% · FHA 3.5% · of 173 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 | 136 | 78.6% |
| Georgia | 6 | 3.5% |
| Tennessee | 6 | 3.5% |
| California | 5 | 2.9% |
| Alabama | 3 | 1.7% |
| North Carolina | 3 | 1.7% |
| South Carolina | 3 | 1.7% |
| Pennsylvania | 2 | 1.2% |
| Texas | 2 | 1.2% |
| Colorado | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Orlando-Kissimmee-Sanford | 55 |
| Crestview-Fort Walton Beach-Destin | 28 |
| Fort Lauderdale-Pompano Beach-Sunrise | 7 |
| Jacksonville | 7 |
| Tampa | 7 |
| St. Petersburg-Clearwater-Largo | 6 |
| Panama City-Panama City Beach | 5 |
| North Port-Bradenton-Sarasota | 4 |
| Deltona-Daytona Beach-Ormond Beach | 3 |
| Miami-Miami Beach-Kendall | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900HL2VMAYA3J5494 | 2025–2025 |
Established 1 June 2021. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: Climate First Bank's data.
Climate First Bank's data
$215
Climate First Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Climate First Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]