Applications / Mortgage Analytics / Lenders / Florida / Bank of Central Florida
Lakeland, FL · State non-member bank · FDIC · $1.2 billion assets · 49 loans in 2025
Bank of Central Florida's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
49
loans originated, 2025
58
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Central Florida, based in Lakeland, makes few home loans but large ones. Its 49 loans in 2025 had a typical size of $365,000.
Its typical loan was $365,000, against $165,000 at similar lenders (state non-member banks making between half and twice as many loans), higher than nine in ten of them. Jumbo loans (larger than the conforming limit) were 19.1% of its lending, against 1.6% at peers. Home purchases made up 75.5%, all conventional.
It made 49 loans, 17% fewer than in 2024, while similar lenders grew 4%. It made 83 loans in 2023 and filed no reports for 2020 to 2022. With so few loans, a handful more or fewer makes a large change.
In Lakeland-Winter Haven, its largest market, it ranked 83 of 560 lenders with 0.2%, down from 0.3%, possibly because it made fewer loans. United Wholesale Mortgage and DHI Mortgage Company led. It lent in 8 Florida metros, with a very small share in each.
Borrowers with low and moderate incomes (LMI) took 3.5% of its loans, against 27.4% at peers, lower than nearly all of them. Its larger loans, including its jumbo lending, are a possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Bank of Central Florida took 58 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.5% · Other 10.2% · Refinance 8.2% · Home improvement 6.1%
Conventional 100.0% · of 49 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 | 49 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lakeland-Winter Haven | 30 |
| Tampa | 10 |
| St. Petersburg-Clearwater-Largo | 3 |
| North Port-Bradenton-Sarasota | 2 |
| Cape Coral-Fort Myers | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Jacksonville | 1 |
| Orlando-Kissimmee-Sanford | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GPM8XFBE00Z637 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3588312 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358479 | 2008–2017 |
Established 19 March 2007. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Bank of Central Florida's data.
Bank of Central Florida's data
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Bank of Central Florida 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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