Applications / Mortgage Analytics / Lenders / Florida / Sanibel Captiva Community Bank
Sanibel, FL · State non-member bank · FDIC · $1.0 billion assets · 83 loans in 2025
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83
loans originated, 2025
133
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sanibel Captiva Community Bank lends large sums to home buyers around Cape Coral and Naples, Florida: its typical loan, $505,000, is almost three times that of similar lenders.
Purchases made up 83.1% of its loans. Its typical loan was larger than at more than nine in ten similar lenders (other state non-member banks making between half and twice as many loans), whose typical loan was $172,500. Jumbo loans, those above the conforming limit, were 22.1% of its lending, against 1.5% at peers, and have run near that level for years. So its 83 loans came to $62.0 million, against $22.9 million at the typical peer.
Originations fell 38% in 2025, from 133, while similar lenders grew 9% and the whole market 10%. Only about 3 in 100 similar lenders shrank faster. The bank made 282 loans as recently as 2022. A bank lending mostly to buyers in two markets may feel a local slowdown more than most.
In Cape Coral-Fort Myers, its largest market, its share fell from 1.0% to 0.6%, ranking 30 of 798 lenders; in Naples it fell from 0.4% to 0.2%. Both falls may simply reflect the drop in its own lending. United Wholesale Mortgage led both markets.
Just 7.5% of its loans went to low- and moderate-income (LMI) borrowers, against 27.7% at similar lenders, lower than at more than nine in ten of them. In LMI neighborhoods the share was 8.6%, against 18.5%. Loans this large suggest a wealthier clientele, which could account for much of the gap.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sanibel Captiva Community Bank took 133 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.1% · Home improvement 7.2% · Other 4.8% · Refinance 4.8%
Conventional 100.0% · of 83 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 | 83 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cape Coral-Fort Myers | 70 |
| Naples-Marco Island | 8 |
| Punta Gorda | 2 |
| Tampa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RMUJVUQYCW8836 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3122994 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357425 | 2004–2017 |
Established 21 January 2003. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Sanibel Captiva Community Bank's data.
Sanibel Captiva Community Bank's data
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Sanibel Captiva Community 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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