Applications / Mortgage Analytics / Lenders / Florida / Prime Meridian Bank
Tallahassee, FL · State non-member bank · FDIC · $956 million assets · 137 loans in 2025
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137
loans originated, 2025
195
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Prime Meridian Bank, a Tallahassee lender, made 22% more loans in 2025 and doubled its share of its home market to 2.0%.
It made 137 loans, up from 112, while similar lenders (the same lender type, making between half and twice as many loans) typically grew 9% and the whole market 10%. Its growth was faster than at about seven in ten. Its loans totaled $62.3 million, up from $44.0 million.
In Tallahassee, where it has lent since 2009, its share rose from 1.0% to 2.0% and it ranks 14 of 372 lenders. Rocket Mortgage, Movement Mortgage and University Bank lead that market.
Home purchases were 75.9% of its loans. Its typical loan was $265,000, against $175,000 at similar lenders, higher than at about four in five. Jumbo loans, larger than the conforming limit, were 10.3% of its lending, against 1.4%.
Low- and moderate-income (LMI) borrowers took 8.0% of its loans, against 28.0% at similar lenders, among the lowest twentieth. Its bigger loans suggest one possibility, borrowers with higher incomes. Its share in LMI neighborhoods, 19.9%, was close to peers' 17.5%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Prime Meridian Bank took 195 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.9% · Refinance 14.6% · Home improvement 5.8% · Other 3.6%
Conventional 100.0% · of 137 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 | 131 | 95.6% |
| Georgia | 5 | 3.6% |
| North Carolina | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tallahassee | 96 |
| Lakeland-Winter Haven | 10 |
| Crestview-Fort Walton Beach-Destin | 3 |
| Orlando-Kissimmee-Sanford | 3 |
| Jacksonville | 2 |
| Marietta | 1 |
| Miami-Miami Beach-Kendall | 1 |
| Palm Bay-Melbourne-Titusville | 1 |
| St. Petersburg-Clearwater-Largo | 1 |
| Tampa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SV2V1USGXBSB36 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3690701 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358694 | 2009–2017 |
Established 4 February 2008. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Prime Meridian Bank's data.
Prime Meridian Bank's data
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Prime Meridian 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.
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