Applications / Mortgage Analytics / Lenders / Florida / Central Bank
Tampa, FL · State non-member bank · FDIC · $369 million assets · 20 loans in 2025
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20
loans originated, 2025
42
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Central Bank, a Tampa bank, made 20 home loans in 2025, nearly all for home purchases, spread across ten Florida metros.
Its loans fell 46%, from 37 in 2024 to 20, a steeper fall than at about nine in ten similar banks, state non-member banks making between half and twice as many loans. The typical one fell 13%. Its lending in dollars barely moved, $19.2 million against $20.2 million, so it made fewer but larger loans. On 20 loans, one or two big deals can do that.
The bank filed no HMDA report for 2020, 2021 or 2022; since 2020 small lenders need not report. Those years are gaps in the record, not years without lending. Since filing resumed its count has fallen each year, from 48 in 2023.
With 20 loans, its shares of loans to poorer borrowers and neighborhoods, and its share of jumbo loans, rest on too small a base to read much into. It is a minor lender in every market shown: in Orlando-Kissimmee-Sanford, its largest, it ranked 262 of 854 lenders. It entered Naples-Marco Island in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Central Bank took 42 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 95.0% · Refinance 5.0%
Conventional 100.0% · of 20 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 | 20 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Orlando-Kissimmee-Sanford | 6 |
| Palm Bay-Melbourne-Titusville | 3 |
| North Port-Bradenton-Sarasota | 2 |
| St. Petersburg-Clearwater-Largo | 2 |
| Tampa | 2 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| Jacksonville | 1 |
| Lakeland-Winter Haven | 1 |
| Naples-Marco Island | 1 |
| Ocala | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XF8276TFB0V157 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3468450 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358377 | 2009–2017 |
Established 26 February 2007. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Central Bank's data.
Central Bank's data
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