Climate First Bank Mortgage Lending & HMDA Data, 2025
In 2025, Climate First Bank of St Petersburg, FL reported 311 mortgage applications totaling $318.0 million. The average application was for $1,022,620, and applicants reported an average income of $448,369. 56% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Orlando-Kissimmee-Sanford, FL (110), Crestview-Fort Walton Beach-Destin, FL (40) and Jacksonville, FL (12) (applications in parentheses).
| Mortgage Company & Address | Climate First Bank 182 37th Ave N St Petersburg, FL 33704 |
| Federal Regulator | * available with data download |
| Years | 2025 |
| Total Number of Mortgage Applications | 311 |
| Total Mortgage Loan Application Amount | $318,035,000 |
| Average Mortgage Loan Application Amount | $1,022,620 |
| Highest Mortgage Loan Application Amount | $6,505,000 |
| Average Applicant Income | $448,369 |
| Highest Applicant Income | $5,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Climate First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Orlando-Kissimmee-Sanford, FL | 110 | $ 113,760,000 | $ 1,034,181 | $ 440,000 |
| Crestview-Fort Walton Beach-Destin, FL | 40 | $ 61,640,000 | $ 1,541,000 | $ 695,000 |
| Jacksonville, FL | 12 | $ 12,140,000 | $ 1,011,666 | $ 520,000 |
| Outside any metro area | 12 | $ 10,330,000 | $ 860,833 | $ 518,636 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 11 | $ 20,825,000 | $ 1,893,181 | $ 527,000 |
| St. Petersburg-Clearwater-Largo, FL | 11 | $ 8,085,000 | $ 735,000 | $ 309,000 |
| Tampa, FL | 10 | $ 8,090,000 | $ 809,000 | $ 350,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 9 | $ 3,835,000 | $ 426,111 | $ 248,000 |
| North Port-Sarasota-Bradenton, FL | 8 | $ 12,000,000 | $ 1,500,000 | $ 403,000 |
| Panama City, FL | 7 | $ 3,115,000 | $ 445,000 | $ 186,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 8,870,000 | $ 1,478,333 | $ 937,000 |
| Lakeland-Winter Haven, FL | 5 | $ 1,415,000 | $ 283,000 | $ 111,000 |
| Ocala, FL | 5 | $ 2,745,000 | $ 549,000 | $ 197,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 5,655,000 | $ 1,131,000 | $ 265,000 |
| Memphis, TN-MS-AR | 4 | $ 1,020,000 | $ 255,000 | $ 347,000 |
| New York-Jersey City-White Plains, NY-NJ | 4 | $ 2,190,000 | $ 547,500 | $ 408,500 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 3,935,000 | $ 1,311,666 | $ 294,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 1,025,000 | $ 341,666 | $ 123,000 |
| Port St. Lucie, FL | 3 | $ 1,375,000 | $ 458,333 | $ 259,000 |
| San Diego-Carlsbad, CA | 3 | $ 3,435,000 | $ 1,145,000 | $ 528,000 |
| Sebastian-Vero Beach, FL | 3 | $ 2,755,000 | $ 918,333 | $ 682,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 3,410,000 | $ 1,705,000 | $ 458,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 930,000 | $ 465,000 | $ 282,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 1,440,000 | $ 720,000 | $ 327,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 1,570,000 | $ 785,000 | $ 334,000 |
| Raleigh, NC | 2 | $ 1,420,000 | $ 710,000 | $ 500,000 |
| Auburn-Opelika, AL | 1 | $ 645,000 | $ 645,000 | $ 245,000 |
| Birmingham-Hoover, AL | 1 | $ 395,000 | $ 395,000 | $ 274,000 |
| Boston, MA | 1 | $ 895,000 | $ 895,000 | $ 310,000 |
| Charleston-North Charleston, SC | 1 | $ 1,455,000 | $ 1,455,000 | $ 774,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 345,000 | $ 345,000 | $ 131,000 |
| Chattanooga, TN-GA | 1 | $ 145,000 | $ 145,000 | $ 34,000 |
| Chicago-Naperville, IL | 1 | $ 2,205,000 | $ 2,205,000 | $ 774,000 |
| Colorado Springs, CO | 1 | $ 365,000 | $ 365,000 | $ 92,000 |
| Columbus, OH | 1 | $ 285,000 | $ 285,000 | $ 954,000 |
| Dallas-Plano-Irving, TX | 1 | $ 655,000 | $ 655,000 | $ 215,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 295,000 | $ 295,000 | $ 94,000 |
| Fort Worth-Arlington, TX | 1 | $ 2,205,000 | $ 2,205,000 | $ 903,000 |
| Gainesville, GA | 1 | $ 245,000 | $ 245,000 | $ 150,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 1,655,000 | $ 1,655,000 | $ 550,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 85,000 | $ 85,000 | $ 69,000 |
| Harrisburg-Carlisle, PA | 1 | $ 185,000 | $ 185,000 | $ 215,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 165,000 | $ 165,000 | $ 85,000 |
| Huntsville, AL | 1 | $ 475,000 | $ 475,000 | $ 219,000 |
| Morristown, TN | 1 | $ 1,005,000 | $ 1,005,000 | $ 442,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 485,000 | $ 485,000 | $ 216,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 1,455,000 | $ 1,455,000 | $ 694,000 |
| Pittsburgh, PA | 1 | $ 805,000 | $ 805,000 | $ 310,000 |
| Punta Gorda, FL | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 1,255,000 | $ 1,255,000 | $ 461,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 1,995,000 | $ 1,995,000 | $ 733,000 |
| Slidell-Mandeville-Covington, LA | 1 | $ 485,000 | $ 485,000 | $ 190,000 |
| Tallahassee, FL | 1 | $ 605,000 | $ 605,000 | $ 227,000 |
Mortgage Loan Application Detail Totals for Climate First Bank in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 256 | $264,290,000 | $1,032,000 | $6,505,000 | $471,000 | $5,000,000 |
| Cash-out Refinancing | 38 | $43,010,000 | $1,131,000 | $6,205,000 | $369,000 | $1,419,000 |
| Refinancing | 17 | $10,735,000 | $631,000 | $2,005,000 | $285,000 | $1,216,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 201 | $222,025,000 | $1,104,000 | $6,305,000 | $478,000 | $5,000,000 |
| Not Provided | 41 | $39,435,000 | $961,000 | $6,505,000 | $409,000 | $1,932,000 |
| Hispanic | 41 | $34,675,000 | $845,000 | $3,105,000 | $426,000 | $1,380,000 |
| Asian | 14 | $13,010,000 | $929,000 | $2,185,000 | $366,000 | $1,920,000 |
| Black or African American | 13 | $8,325,000 | $640,000 | $2,055,000 | $312,000 | $954,000 |
| American Indian or Alaskan Native | 1 | $565,000 | $565,000 | $565,000 | $142,000 | $142,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 288 | $305,560,000 | $1,060,000 | $6,505,000 | $472,000 | $5,000,000 |
| VA-guaranteed (Veterans Administration) | 13 | $8,225,000 | $632,000 | $1,215,000 | $168,000 | $268,000 |
| FHA-insured (Federal Housing Administration) | 10 | $4,250,000 | $425,000 | $615,000 | $164,000 | $274,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 173 | $174,255,000 | $1,007,000 | $6,305,000 | $472,000 | $5,000,000 |
| Application Withdrawn By Applicant | 76 | $74,920,000 | $985,000 | $6,505,000 | $429,000 | $1,932,000 |
| Application Denied By Financial Institution | 42 | $40,880,000 | $973,000 | $6,305,000 | $328,000 | $1,420,000 |
| Application Approved But Not Accepted | 19 | $27,665,000 | $1,456,000 | $6,005,000 | $612,000 | $2,778,000 |
| File Closed For Incompleteness | 1 | $315,000 | $315,000 | $315,000 | $72,000 | $72,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 269 | $277,155,000 | $1,030,000 | $6,505,000 | $467,000 | $5,000,000 |
| Debt-To-Income Ratio | 21 | $30,015,000 | $1,429,000 | $6,305,000 | $314,000 | $1,420,000 |
| Collateral | 10 | $5,730,000 | $573,000 | $905,000 | $304,000 | $770,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,495,000 | $498,000 | $1,025,000 | $320,000 | $675,000 |
| Credit History | 3 | $805,000 | $268,000 | $435,000 | $273,000 | $480,000 |
| Other | 2 | $1,380,000 | $690,000 | $905,000 | $746,000 | $1,365,000 |
| Credit Application Incomplete | 2 | $1,170,000 | $585,000 | $665,000 | $240,000 | $374,000 |
| Unverifiable Information | 1 | $285,000 | $285,000 | $285,000 | $372,000 | $372,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Climate First Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Climate First Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.
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