Lenders › Plains Commerce Bank › Florida
Plains Commerce Bank in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used 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. Cells under 25 applications are withheld.
Plains Commerce Bank's 2024 HMDA record for Florida covers 3,908 applications, 2,182 of them originated, worth $684m.
Its denial rate in the state was 6.5%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 5.0%.
The median rate spread on its Florida originations was 0.4 percentage points (state median 0.3).
Applications in the state were up 17% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Plains Commerce Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 6.5% | 29.0% | 5.0% | 24.3% |
| Median rate spread, pp | 0.4 | 0.3 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.0% | 16.4% | 7.8% | 15.6% |
| Average originated loan | $314k | $359k | $327k | $329k |
| Home purchase share | 95.3% | 62.9% | 90.3% | 57.0% |
| FHA-insured share | 27.6% | 17.7% | 26.4% | 13.4% |
| VA-guaranteed share | 6.1% | 9.5% | 8.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 95% (2,080)Home improvement 0% (9)Refinancing 1% (31)Cash-out refinancing 2% (53)Other purpose 0% (9)
By type
Conventional 66% (1,439)FHA 28% (603)VA 6% (133)USDA 0% (7)
Denial reasons as coded
Share of 151 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Polk County | 423 | 278 | $74m | 6.1% |
| Miami-Dade County | 395 | 172 | $69m | 12.2% |
| Broward County | 311 | 168 | $51m | 7.2% |
| Orange County | 270 | 167 | $58m | 6.2% |
| Brevard County | 204 | 110 | $33m | 8.3% |
| Duval County | 183 | 106 | $31m | 0.9% |
| Hillsborough County | 208 | 103 | $34m | 1.9% |
| Pinellas County | 136 | 83 | $27m | 7.8% |
| Palm Beach County | 158 | 82 | $30m | 9.9% |
| Volusia County | 123 | 82 | $24m | 3.5% |
| Seminole County | 105 | 74 | $24m | 3.9% |
| Lee County | 154 | 72 | $19m | 8.9% |
| Lake County | 105 | 69 | $21m | 5.5% |
| Pasco County | 130 | 64 | $19m | 4.4% |
| St. Johns County | 89 | 54 | $22m | 1.8% |
| Marion County | 102 | 50 | $11m | 2.0% |
| Osceola County | 91 | 47 | $16m | 11.3% |
| Sarasota County | 86 | 46 | $15m | 2.1% |
| Manatee County | 67 | 44 | $17m | 4.3% |
| St. Lucie County | 63 | 32 | $8.3m | 15.8% |
| Clay County | 55 | 27 | $8.0m | 6.9% |
| Hernando County | 46 | 24 | $5.7m | 11.1% |
| Highlands County | 32 | 20 | $4.2m | — |
| Escambia County | 31 | 17 | $5.1m | — |
| Charlotte County | 30 | 15 | $4.5m | — |
| Collier County | 25 | 12 | $6.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Plains Commerce Bank originate in Florida in 2024?
2,182 loans totalling $684m, from 3,908 applications reported for properties in Florida.
What is Plains Commerce Bank's denial rate in Florida?
6.5% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 5.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Plains Commerce Bank lend in most?
By originations: Polk County (278), Miami-Dade County (172), Broward County (168), Orange County (167), Brevard County (110).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.