Florida › Orlando › Climate First Bank
Climate First Bank
Climate First Bank 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: Eustis, Orlando, St Petersburg, Winter Park.
| Kind | Bank |
| License or charter | FDIC-insured bank |
| Florida offices | Eustis, Orlando, St Petersburg, Winter Park |
| Legal entity | Climate First Bank, LEI 254900HL2VMAYA3J5494, Active |
| Counties | Lake, Orange, Pinellas |
| Website | climatefirstbank.com |
| Phone | (727) 335-0500 |
| Address shown on its site | 2755 E. Orange Avenue, Eustis, FL 32726 |
Loan types Climate First Bank lists
Read from the firm’s own website on October 15, 2026. Lender-stated, not verified by LendResearch. Each links to the other Orlando firms offering it.
- Asset depletion loans
- Business acquisition loans
- Commercial real estate loans
- Construction loans
- HELOCs
- Interest only mortgages
- Investment property and rental loans
- Physician mortgages
- Refinance
- SBA loans
- Small business loans
- Solar financing
Bank facts from the FDIC
| Total assets | $1,941,915,000 |
| Deposits | $1,547,996,000 |
| Offices nationwide | 4 |
| Florida offices | 4 |
| Return on assets | 1.22% |
| Established | 2021 |
| Headquarters | Saint Petersburg, FL |
| Holding company | CLIMATE FIRST BCORP INC |
FDICFDIC institution record for certificate 59257, latest quarterly filing. Dollar figures as reported.
Loan mix from federal filings
| Florida loans originated, 2025 | 136 |
| Applications | 256 |
| Denial rate | 15% |
| Conventional / FHA / VA / USDA | 91% / 4% / 4% / 0% |
| Purchase / refinance / cash out | 91% / 2% / 7% |
| Home improvement / other purpose | 0% / 0% |
| Investor and second home share | 24% |
| Dollar volume | $144,690,000 |
| Top counties | Orange (35), Walton (25), Seminole (12), Broward (7), Pinellas (6) |
HMDA 2025FFIEC HMDA loan-level data, Florida, calendar year 2025, filed by Climate First Bank. Counts are loans in Florida only.
Climate First Bank offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| St Petersburg | 182 37th Ave N 33704 | Principal office | |
| Eustis | 2755 E Orange Ave 32726 | Branch | |
| Orlando | 215 E Livingston St 32801 | Branch | |
| Winter Park | 1150 S Orlando Ave 32789 | Branch |
As of October 15, 2026Source: FDIC office and branch records. Addresses are as filed; call before visiting.
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Orange County at a glance
| Mortgage applications filed in 2025 | 55,353 |
| Loans originated | 25,010 |
| Denial rate | 19% |
| FHA share of originations | 15% |
| VA share | 6% |
| Investor and second home share | 13% |
| Dollar volume originated | $11,335,890,000 |
| 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 Orange County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.