Name of the lender

Climate First BankMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2025

Head office: St Petersburg, FL
Reporting agency: Federal Deposit Insurance Corporation (FDIC)
Legal Entity Identifier (LEI)

Figures by state (CSV)

Climate First Bank reported 311 mortgage applications in the HMDA data of 2025.

It originated 173 loans in 2025, for $174 million in total.

The median interest rate of its loans in 2025 was 7.250%, and the national median was 6.375%.

The median total loan costs of its loans in 2025 were $10,480, and the national median was $6,413.

It denied 17.9% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Climate First Bank, 2025
Figure	This lender	United States
Applications	311Under 0.1% of the US total	11,766,671
Loans originated	173$174 million	6,827,891
Median interest rate	7.250%	6.375%
Median total loan costs	$10,480	$6,413
Denial rate	17.9%	22.6%

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.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Interest rate and total loan costs of Climate First Bank by loan type, 2025Medians. Each value has the national median of the same loan type under it.
Loan type	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
All loans	173	7.250%US 6.375%	$10,480US $6,413	0.503US 0.161
Conventional	160	7.250%US 6.500%	$10,733US $5,393	0.508US 0.175

Interest rate and total loan costs of Climate First Bank by loan purpose, 2025Medians, with the national median under each value.
Loan purpose	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
Home purchase	156	7.250%US 6.500%	$11,381US $6,632	0.525US 0.169

Parts of the total loan costs of Climate First Bank by loan type, 2025Medians, with the national median under each value.
Loan type	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits
All loans	$5,400US $2,062	n/aUS $2,823	$160US $567
Conventional	$5,789US $1,981	n/aUS $2,588	$160US $604

The median rate spread of these loans was 0.503 percentage points above the average prime offer rate (APOR). On a loan of $300,000, that is about $1,509 more a year, or $126 more a month. The national median spread was 0.161 points.

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. What a rate spread is.

Median interest rate by year: Climate First Bank and the United States

Climate First BankUnited States

Action takenHMDA codes and labels

Records of Climate First Bank by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	173	55.6%	50.4%
2Application approved but not accepted	19	6.1%	3.1%
3Application denied	42	13.5%	15.6%
4Application withdrawn by applicant	76	24.4%	12.6%
5File closed for incompleteness	1	0.3%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

Denials of Climate First Bank by the first reason that it coded, 2025
Denial reason	Denials	Share	US share
1Debt-to-income ratio	21	50.0%	32.7%
2Employment history	0	0.0%	0.9%
3Credit history	3	7.1%	25.6%
4Collateral	10	23.8%	13.8%
5Insufficient cash (downpayment, closing costs)	3	7.1%	2.3%
6Unverifiable information	1	2.4%	4.2%
7Credit application incomplete	2	4.8%	12.0%
8Mortgage insurance denied	0	0.0%	0.0%
9Other	2	4.8%	8.5%

A lender can code up to four reasons for a denial. This table counts the first reason only.

Loan types and purposesLoans of 2025

Applications of Climate First Bank by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	288	160	18.0%US 23.4%
FHA-insured	10	6	n/aUS 21.8%
VA-guaranteed	13	7	n/aUS 16.2%

Applications of Climate First Bank by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	256	156	90.2%
Home improvement	0	0	0.0%
Refinancing	17	5	2.9%
Cash-out refinancing	38	12	6.9%
Other purpose	0	0	0.0%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends1 state with 25 applications or more

Climate First Bank by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
Florida	256	136	7.250%	$11,239	20.4%

Counties of Climate First Bank with 50 applications or more, 2025In order of the names. The list has the 1 counties with the most loans of the lender.
County	Applications	Loans originated	Amount	Denial rate
Orange County, FL	77	35	$37.4 million	24.5%

Figures by yearHMDA 2022 to 2025

Climate First Bank by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	311	173	7.250%	$10,480	17.9%	311
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: Climate First Bank and the United States

Climate First BankUnited States

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

Citizens Bank and TrustFrostproof, FL
Coast One Mortgage, LLCFort Washington, PA
Cogent BankOrlando, FL
DG Pinnacle Funding, LLCMiami, FL
Fairway Funding Group, IncLakewood Ranch, FL
FineMark National Bank & TrustFort Myers, FL
Floridacentral Credit UnionTampa, FL
Griffin Funding Inc.San Diego, CA
Helm Bank USAMiami, FL
Popular BankNew York, NY
Velocity Community Federal Credit UnionPalm Beach Gardens, FL
We Florida FinancialPembroke Pines, FL

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.
BankFind Suite (Federal Deposit Insurance Corporation)The FDIC search for an insured bank: its status, its offices and its regulator.

Cite this page

Page: Lender Register, "Climate First Bank mortgage rates and denial rate, 2025", https://lenderregister.com/lender/254900hl2vmaya3j5494-climate-first-bank/
Lender: Climate First Bank, LEI 254900HL2VMAYA3J5494
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2025 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did Climate First Bank buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
Which denial reasons did Climate First Bank code most often in 2025?: The first reasons that it coded most often were debt-to-income ratio (21), collateral (10) and credit history (3).
In which states did Climate First Bank originate the most loans in 2025?: It had 25 applications or more in one state only: Florida, with 136 loans originated.
Which loan types did Climate First Bank originate in 2025?: 160 conventional, 6 FHA and 7 VA.