Finance Atlas

Banking & Mortgage-Lending Access in Florida

1,589 FDIC-insured institutions (83 currently active) are recorded in Florida in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 30.4% in Florida.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

1,589
FDIC institutions (total)
83
Currently active
30.4%
Overall denial rate (HMDA 2024)
474,589
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in Florida?

FDIC BankFind records 1,589 FDIC-insured institutions (all historical) in Florida, of which 83 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 1,589
Currently active 83

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in Florida?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for Florida:

Charter class Description Count
NM State non-member bank (Fed non-member) 644
N National bank (OCC-chartered) 501
SM State member bank (Fed member) 160
SL Savings institution (state-chartered S&L) 144
SB Savings bank (state-chartered) 128
NC Non-deposit trust company 12

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in Florida? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 30.4% in Florida. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 30.4%
White applicants 28.2%
Black applicants 39.2%
Black/White denial rate ratio 1.39x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=FL

Mortgage origination volume in Florida (2024)

HMDA 2024 data record 474,589 originated mortgage loans in Florida , totaling $170.4B , with an average loan size of $358,979.

Metric Value
Originated loans (2024) 474,589
Total origination volume $170.4B
Average loan size $358,979

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=FL

Data exported June 20, 2026 · content hash fda363f8acd3ec23 · machine-readable brief: /finance/states/fl/context.md

Where to act