Florida › Fort Lauderdale › OptimumBank
OptimumBank
OptimumBank is a bank: it an FDIC-insured depository institution that lends its own money and offers its own loan products. It has 3 licensed Florida offices: Deerfield Beach, Fort Lauderdale, North Miami Beach.
| Kind | Bank |
| License or charter | FDIC-insured bank |
| Florida offices | Deerfield Beach, Fort Lauderdale, North Miami Beach |
| Legal entity | OptimumBank, LEI 549300U21VS5DK3F8H21, Active |
| Counties | Broward, Miami-Dade |
| Website | optimumbank.com |
| Phone | (954) 900-2800 |
| Address shown on its site | 2929 East Commercial Boulevard, Suite 303 Fort Lauderdale, FL 33308 |
Loan types OptimumBank lists
Read from the firm’s own website on October 15, 2026. Lender-stated, not verified by LendResearch. Each links to the other Fort Lauderdale firms offering it.
Bank facts from the FDIC
| Total assets | $1,386,526,000 |
| Deposits | $1,216,561,000 |
| Offices nationwide | 4 |
| Florida offices | 4 |
| Return on assets | 1.95% |
| Established | 2000 |
| Headquarters | Fort Lauderdale, FL |
| Holding company | OPTIMUMBANK HOLDINGS INC |
FDICFDIC institution record for certificate 35430, 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.
OptimumBank offices in Florida
| City | Address | Phone | Record |
|---|---|---|---|
| Fort Lauderdale | 2929 E Commercial Blvd 33308 | Principal office | |
| Deerfield Beach | 2201 W Hillsboro Blvd 33442 | Branch | |
| Fort Lauderdale | 2929 E Commercial Blvd 33308 | Branch | |
| North Miami Beach | 757 Ne 167th Street 33162 | Branch |
As of October 15, 2026Source: FDIC office and branch records. Addresses are as filed; call before visiting.
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Broward County at a glance
| Mortgage applications filed in 2025 | 75,964 |
| Loans originated | 31,292 |
| Denial rate | 23% |
| FHA share of originations | 14% |
| VA share | 4% |
| Investor and second home share | 14% |
| Dollar volume originated | $13,168,940,000 |
| 2026 conforming loan limit, 1 unit | $832,750 |
| 2026 FHA loan limit, 1 unit | $667,000 |
As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Broward County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.