Applications / Mortgage Analytics / Lenders / Florida / U.S. Century Bank
Doral, FL · State non-member bank · FDIC · $2.8 billion assets · 49 loans in 2025
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49
loans originated, 2025
54
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
U.S. Century Bank, based in Doral, Florida, makes few mortgages but very large ones, and in 2025 it nearly doubled its loans as it spread into new Florida markets.
Its typical loan was $1.7 million, against $165,000 at the 505 similar lenders, state non-member banks making between half and twice as many loans; none of them made larger loans. Its 49 loans came to $127.7 million, and 28.6% were jumbo (larger than the conforming limit), against 1.6% at the typical peer. The figures give no borrower incomes for its loans, so lending to modest earners cannot be measured.
Low- and moderate-income (LMI) neighborhoods took 56.2% of its loans and majority-minority neighborhoods 69.4%, against 18.6% and 5.6% at the typical peer. Both shares are higher than at almost all similar lenders. Miami, where it has lent since 2003, is its largest market; it ranks 111 of 937 lenders there.
Loans rose 81%, from 27 to 49, while similar lenders grew 4%, faster than almost all of them. It made its first loans in five metros in 2025, among them Sebring, where it now ranks 81 of 245, and Port St. Lucie. It still lends in only one state.
Refinancing made up 55.1% of its loans and purchases 44.9%, all conventional. It made 81 loans in 2018 and filed no report for 2020 to 2022, gaps in the record rather than years without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. U.S. Century Bank took 54 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 55.1% · Purchase 44.9%
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 |
|---|---|
| Miami-Miami Beach-Kendall | 22 |
| Fort Lauderdale-Pompano Beach-Sunrise | 10 |
| St. Petersburg-Clearwater-Largo | 4 |
| Deltona-Daytona Beach-Ormond Beach | 2 |
| Homosassa Springs | 2 |
| Port St. Lucie | 2 |
| Tampa | 2 |
| Cape Coral-Fort Myers | 1 |
| Lakeland-Winter Haven | 1 |
| Palm Bay-Melbourne-Titusville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900XT937N1XUKWX63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3146150 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357369 | 2003–2017 |
Established 28 October 2002. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: U.S. Century Bank's data.
U.S. Century Bank's data
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U.S. Century 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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