Applications / Mortgage Analytics / Lenders / Florida / First Bank
Clewiston, FL · State non-member bank · FDIC · $815 million assets · 68 loans in 2025
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68
loans originated, 2025
171
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Bank lends mostly in Florida's majority-minority neighborhoods, and in 2025 its lending rose again after a four-year slide.
It made 68 loans, up 26% from 54. Similar lenders (state non-member banks making between half and twice as many loans) grew 9% and the whole market 10%, so it grew faster than about seven in ten of them. The rise comes after a fall from 161 loans in 2020 to 54 in 2024.
Majority-minority neighborhoods took 52.9% of its loans, against 6.7% at its peers, higher than nearly all of them. Low- and moderate-income (LMI) neighborhoods took 32.4%, against 18.3%. Its lending sits in 10 Florida counties, and the make-up of those communities may explain both figures.
LMI borrowers took 12.7% of its loans, against 27.3% at its peers, lower than more than four in five of them. Its typical loan, $235,000, is larger than its peers' $175,000. It may lend to higher-income households within poorer neighborhoods.
Manufactured homes made up 17.6% of its loans, against 2.7% at its peers, and other-purpose loans 22.1%. Every loan was conventional, with none backed by a government agency.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Bank took 171 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.1% · Refinance 26.5% · Other 22.1% · Home improvement 4.4%
Conventional 100.0% · of 68 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 | 68 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cape Coral-Fort Myers | 17 |
| West Palm Beach-Boca Raton-Delray Beach | 4 |
| Naples-Marco Island | 3 |
| Punta Gorda | 2 |
| Lakeland-Winter Haven | 1 |
| Sebring | 1 |
| Tampa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006BN3B3B1H3B988 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 131436 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39620 | 2005–2017 |
Established 1 January 1922. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: First Bank's data.
First Bank's data
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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.
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