Applications / Mortgage Analytics / Lenders / Florida / Flagship Bank
Clearwater, FL · State non-member bank · FDIC · $739 million assets · 15 loans in 2025
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15
loans originated, 2025
20
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Flagship Bank, a Clearwater, Florida, bank, made 15 home loans in 2025, all conventional, split between purchases and refinancing.
Its 15 loans compare with 14 in 2024 and 23 in 2023. Similar lenders, state non-member banks making between half and twice as many loans, made 24 in the typical case. It filed no reports for 2018 to 2022; since 2020 a bank making fewer than 100 such loans a year need not report, so those years are gaps, not years without lending.
Purchases made up 60.0% of its loans and refinancing 40.0%. Every loan was conventional, with no government-backed lending and no manufactured homes.
It was established in 2006 as Flagship Community Bank, first reported in 2008 and took its present name in 2019. It lends only in Florida, in 2 metros, mainly Tampa-St. Petersburg-Clearwater, where United Wholesale Mortgage led. With 15 loans, its shares of lending to poorer borrowers and neighborhoods say little.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Flagship Bank took 20 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.0% · Refinance 40.0%
Conventional 100.0% · of 15 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 | 15 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Petersburg-Clearwater-Largo | 12 |
| Tampa | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900VT356QLU1SWW81 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3404999 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358113 | 2008–2016 |
Established 23 January 2006. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Flagship Bank's data.
Flagship Bank's data
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