Local Bank reported 149 applications for homes in Florida in the HMDA data of 2025.
It originated 115 loans in the state in 2025, for $34.2 million in total.
The median interest rate of these loans in 2025 was 6.990%, and the median of all lenders in Florida was 6.375%.
The median total loan costs in 2025 were $8,618, and the state median was $8,247.
It denied 2.5% of the applications that it decided in the state in 2025, and the state denial rate was 27.2%.
Filed figures of Local Bank in Florida, 2025
Figure
In FL
Lender, all states
FL, all lenders
Applications
149
654
931,897
Loans originated
115
514
491,046
Median interest rate
6.990%
6.625%
6.375%
Median total loan costs
$8,618
$8,532
$8,247
Denial rate
2.5%
1.3%
27.2%
HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
Pricing medians of Local Bank in Florida, 2025Each value has the median of all lenders in Florida under it.
Loans
Loans in the medians
Interest rate
Total loan costs
Origination charges
Discount points, of the loans with points
Lender credits, of the loans with credits
Rate spread, points
All loans in FL
88
6.990%FL 6.375%
$8,618FL $8,247
$2,135FL $2,390
$3,658FL $3,169
$104FL $519
0.611FL 0.155
Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.
The median rate spread was 0.611 percentage points above the average prime offer rate. On a loan of $300,000, that is about $1,833 more a year, or $153 more a month.
The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.
Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date
HMDA year . Page made .
Provenance
The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Florida. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.
Questions
What share of the loans of Local Bank were in Florida in 2025?
115 of its loans originated, out of 514 in all states. That is 22.4%.
In which counties of Florida did Local Bank originate the most loans in 2025?
Only one county has 50 applications or more of the lender: Orange County, with 33 loans originated.
Which loan types did Local Bank originate in Florida in 2025?
79 conventional, 31 FHA, 4 VA and 1 USDA.
What share of the applications in Florida did Local Bank report in 2025?
0.0%: 149 out of 931,897 applications of all lenders in the state.