Florida › Sarasota › BayFirst National Bank
BayFirst National Bank
BayFirst National Bank is a bank: it an FDIC-insured depository institution that lends its own money and offers its own loan products. It has 8 licensed Florida offices: Belleair Bluffs, Bradenton, Clearwater, Pinellas Park, St Petersburg, Sarasota, Seminole, Tampa.
| Kind | Bank |
| License or charter | FDIC-insured bank |
| Florida offices | Belleair Bluffs, Bradenton, Clearwater, Pinellas Park, St Petersburg, Sarasota, Seminole, Tampa |
| Legal entity | BayFirst National Bank, LEI 549300DMI3W6YLDVSK93, Active |
| Counties | Hillsborough, Manatee, Pinellas, Sarasota |
| Website | bayfirstfinancial.com |
| Phone | (727) 220-5633 |
| Address shown on its site | 2033 Main Street, Suite 101 Sarasota , FL 34327 |
Loan types BayFirst National Bank lists
Read from the firm’s own website on October 15, 2026. Lender-stated, not verified by LendResearch. Each links to the other Sarasota firms offering it.
- Conventional mortgages
- FHA loans
- First time home buyer loans and programs
- HELOCs
- Home equity loans
- Jumbo loans
- Refinance
- Small business loans
- USDA loans
- VA loans
Bank facts from the FDIC
| Total assets | $1,136,157,000 |
| Deposits | $1,001,436,000 |
| Offices nationwide | 12 |
| Florida offices | 12 |
| Return on assets | -6.32% |
| Established | 1999 |
| Headquarters | Saint Petersburg, FL |
| Holding company | BAYFIRST FINANCIAL CORP |
FDICFDIC institution record for certificate 34997, latest quarterly filing. Dollar figures as reported.
Loan mix from federal filings
| Florida loans originated, 2025 | 463 |
| Applications | 770 |
| Denial rate | 29% |
| Conventional / FHA / VA / USDA | 100% / 0% / 0% / 0% |
| Purchase / refinance / cash out | 7% / 10% / 0% |
| Home improvement / other purpose | 45% / 37% |
| Home equity lines of credit (HELOC) | 396 of the 463 |
| Investor and second home share | 1% |
| Dollar volume | $85,885,000 |
| Top counties | Sarasota (143), Pinellas (100), Manatee (81), Hillsborough (61), Pasco (30) |
HMDA 2025FFIEC HMDA loan-level data, Florida, calendar year 2025, filed by BayFirst National Bank. Counts are loans in Florida only.
BayFirst National Bank offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| St Petersburg | 700 Central Ave 33701 | Principal office | |
| Belleair Bluffs | 401 Indian Rocks Rd N 33770 | Branch | |
| Bradenton | 2102 59th St W 34209 | Branch | |
| Clearwater | 2520 Countryside Blvd 33763 | Branch | |
| Pinellas Park | 5250 Park Blvd N 33781 | Branch | |
| Sarasota | 1782 Dr. Martin Luther King Jr. Way 34234 | Branch | |
| Sarasota | 2075 S. Tamiami Trail 34239 | Branch | |
| Sarasota | 5600 Bee Ridge Rd 34233 | Branch | |
| Seminole | 9190 Seminole Blvd 33772 | Branch | |
| Tampa | 1515 S Dale Mabry Hwy 33629 | Branch | |
| Tampa | 16002 N. Dale Mabry 33618 | Branch | |
| Tampa | 3015 W Columbus Dr 33607 | Branch |
As of October 15, 2026Source: FDIC office and branch records. Addresses are as filed; call before visiting.
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Sarasota County at a glance
| Mortgage applications filed in 2025 | 25,799 |
| Loans originated | 12,534 |
| Denial rate | 16% |
| FHA share of originations | 11% |
| VA share | 6% |
| Investor and second home share | 19% |
| Dollar volume originated | $5,043,550,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $547,400 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Sarasota County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.