Lender in Florida · HMDA 2025
Plains Commerce Bank mortgages in Florida
Plains Commerce Bank's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Plains Commerce Bank originated 1,369 owner-occupied single-family loans in Florida from 1,587 completed applications.
Its median conventional purchase loan costs were $9,250 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.625% (Florida: 6.625%).
Loans in FL
1,369
of 1,587 applications
Denial rate
13.3%
Purchase · FL 12.8%
Rate spread
+0.33 pts
Conv. · FL +0.14 pts
Loan amount
$325,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,514 | 1,310 | 13.3% | 6.625% | +0.33 pts | $9,250 | $325,000 |
| Refinance | 39 | 33 | 15.4% | 6.500% | +0.10 pts | $8,540 | $355,000 |
| Cash-out refinance | 34 | 26 | 23.5% | — | — | — | $315,000 |
*Conventional loans only; medians with at least 20 loans.
Florida counties where Plains Commerce Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Hardee County | 12 | 3 | 1.9% |
| Polk County | 15 | 167 | 1.3% |
| Seminole County | 15 | 68 | 1.2% |
| Monroe County | 17 | 7 | 1.0% |
| Highlands County | 18 | 18 | 1.3% |
| Volusia County | 20 | 87 | 1.0% |
| Orange County | 21 | 141 | 1.0% |
| Gilchrist County | 23 | 2 | 1.2% |
| Hendry County | 25 | 4 | 0.8% |
- Plains Commerce Bank nationwide
- Florida mortgage market
- Plains Commerce Bank in South Dakota
- Plains Commerce Bank in Arizona
- Plains Commerce Bank in Texas
- Plains Commerce Bank in Utah
- Plains Commerce Bank in Colorado
- Plains Commerce Bank in Georgia
- Plains Commerce Bank in Minnesota
- Plains Commerce Bank in Nebraska
- Plains Commerce Bank in North Carolina
- Plains Commerce Bank in California
- Plains Commerce Bank in Iowa
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology