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Bank of Central Florida
Bank of Central Florida is a bank: it an FDIC-insured depository institution that lends its own money and offers its own loan products. It has 4 licensed Florida offices: Lakeland, Plant City, Tampa, Winter Haven.
| Kind | Bank |
| License or charter | FDIC-insured bank |
| Florida offices | Lakeland, Plant City, Tampa, Winter Haven |
| Legal entity | Bank of Central Florida, LEI 549300GPM8XFBE00Z637, Active |
| Counties | Hillsborough, Polk |
| Website | bankofcentralflorida.com |
| Phone | (863) 701-2685 |
| Address shown on its site | 5015 South Florida Avenue Lakeland, FL 33813 |
Loan types Bank of Central Florida lists
Read from the firm’s own website on October 15, 2026. Lender-stated, not verified by LendResearch. Each links to the other Tampa firms offering it.
- Commercial real estate loans
- Construction loans
- Equipment financing
- HELOCs
- Medical and dental practice loans
- Refinance
- Small business loans
Bank facts from the FDIC
| Total assets | $1,247,505,000 |
| Deposits | $1,137,884,000 |
| Offices nationwide | 6 |
| Florida offices | 6 |
| Return on assets | 1.32% |
| Established | 2007 |
| Headquarters | Lakeland, FL |
| Holding company | BANK OF CENTRAL FL HOLDING CO |
FDICFDIC institution record for certificate 58479, latest quarterly filing. Dollar figures as reported.
No 2025 HMDA filing matched to this firm yet. Lenders below the federal reporting threshold do not file.
Bank of Central Florida offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Lakeland | 5015 S Florida Ave 33813 | Principal office | |
| Lakeland | 724 S Florida Ave 33801 | Branch | |
| Plant City | 409 N Alexander St 33563 | Branch | |
| Tampa | 1 N Dale Mabry Hwy 33609 | Branch | |
| Tampa | 201 S Howard Ave 33606 | Branch | |
| Winter Haven | 201 3rd St Sw 33880 | Branch |
As of October 15, 2026Source: FDIC office and branch records. Addresses are as filed; call before visiting.
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Hillsborough County at a glance
| Mortgage applications filed in 2025 | 64,877 |
| Loans originated | 30,453 |
| Denial rate | 18% |
| FHA share of originations | 18% |
| VA share | 10% |
| Investor and second home share | 10% |
| Dollar volume originated | $11,570,545,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $541,287 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Hillsborough County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.