Applications / Mortgage Analytics / Lenders / Florida / One Florida Bank
Orlando, FL · State non-member bank · FDIC · $2.0 billion assets · 34 loans in 2025
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34
loans originated, 2025
45
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
One Florida Bank, an Orlando bank with $2.0 billion in assets, makes few home loans, but they are among the largest of any similar bank.
It made 34 loans in 2025, fewer than the 45 of the typical similar lender (state non-member banks making between half and twice as many loans). Its typical loan was $675,000, against $165,000 at peers, larger than at nearly all of them. Jumbo loans, those above the conforming limit, made up 39.4% of its lending against 1.9%. It also bought 12 loans from other lenders; the typical peer bought none.
Home purchases made up 82.4% of its loans. Only 3.2% of its borrowers had low or moderate incomes, against 26.5% at peers. Its large loan sizes may draw buyers with higher incomes. It made 17.6% of its loans in majority-minority tracts, against 6.3%. These shares rest on 34 loans.
It first reported in 2023, so earlier years are gaps in the record. It lends in eight Florida metros and entered Ocala and Punta Gorda in 2025. Its share of Orlando-Kissimmee-Sanford slipped to 0.1% from 0.2%, which with so few loans may reflect a handful of deals.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. One Florida Bank took 45 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 82.4% · Refinance 17.6%
Conventional 100.0% · of 34 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 | 34 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Orlando-Kissimmee-Sanford | 21 |
| Deltona-Daytona Beach-Ormond Beach | 6 |
| Jacksonville | 2 |
| North Port-Bradenton-Sarasota | 1 |
| Ocala | 1 |
| Punta Gorda | 1 |
| Tampa | 1 |
| West Palm Beach-Boca Raton-Delray Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930048RSX270GEQI09 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3807880 | 2023–2023 |
Established 29 October 2008. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: One Florida Bank's data.
One Florida Bank's data
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One Florida 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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