Applications / Mortgage Analytics / Lenders / Florida / Lafayette State Bank
Mayo, FL · State non-member bank · FDIC · $247 million assets · 27 loans in 2025
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27
loans originated, 2025
53
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lafayette State Bank is a very small Florida lender, making fewer loans than most similar banks, with gaps in its record and a sideline in manufactured homes.
Its 27 loans came to $5.0 million. The typical similar lender, meaning a bank of the same type making between half and twice as many loans, made 38 loans worth $9.4 million. Its loans rose 23% from 22 in 2024, while such lenders fell 4%, but a change this small is too small to read much into.
The bank first reported under the mortgage-disclosure rules in 2010. It filed no report for 2018 or for 2020 to 2022; those are gaps in the record, not years without lending. Since 2020 a bank making fewer than 100 closed-end loans a year need not report. It made 46 loans in 2019 and 40 in 2023.
Some 25.9% of its loans were on manufactured homes, against 2.1% at the typical similar lender. Its purchase and refinance loans were 40.7% each, with home improvement at 14.8%. On 27 loans these shares rest on a handful of homes, so they describe the year rather than a settled strategy.
Its filing places loans in only two counties, in the Gainesville and Miami areas, where it ranked 341 of 367 and 891 of 937 lenders. It has lent around Gainesville since 2010 and around Miami since 2023. With so few loans, either rank is too small to read much into.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Lafayette State Bank took 53 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.7% · Refinance 40.7% · Home improvement 14.8% · Other 3.7%
Conventional 100.0% · of 27 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 | 2 | 7.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
| Gainesville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WT3BKLLJV4I440 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 535931 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316396 | 2010–2016 |
Established 2 April 1946. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Lafayette State Bank's data.
Lafayette State Bank's data
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