--- title: Construction Lenders in Florida: 234 Hold These Loans url: https://lender.report/construction-lenders/florida/ license: https://lender.report/license/ --- Construction ยท FL # Construction lenders in Florida 234 lenders with an office in Florida hold construction and land loans on their books. SouthState Bank, National Association, based in Florida, holds the largest book among those based here, at $2.9B. **Evidence** Lender holds construction and land loans on its books at the latest filing and has an office in Florida **Data as of** June 30, 2026 **Page last changed** November 11, 2026 **Lenders with an office here** 234 FDIC call report, Jun 30, 2026 **Based here** 111 FDIC call report, Jun 30, 2026 **Held by those based here** $10.6B FDIC call report, Jun 30, 2026 -0.3% from a year earlier, 109 of 111 lenders **Median book, based here** $20.9M FDIC call report, Jun 30, 2026 Cite this Source: The Lender Report, Construction lenders in Florida, https://lender.report/construction-lenders/florida/, data as of June 30, 2026. ## Describe a deal in Florida See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show construction loans in Florida](https://lender.report/comps/?lane=construction&state=FL)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Offices here | Holds | Growth, 12 months | | --- | --- | --- | --- | --- | --- | | [SouthState Bank, National Association](https://lender.report/lender/southstate-bank-fl/) | Bank | Winter Haven, FL | 100 | $2.93B | | | [City National Bank of Florida](https://lender.report/lender/city-national-bank-of-florida-fl/) | Bank | Miami, FL | 30 | $1.64B | +3.2% | | [Seacoast National Bank](https://lender.report/lender/seacoast-national-bank-fl/) | Bank | Stuart, FL | 117 | $858M | | | [BankUnited, National Association](https://lender.report/lender/bankunited-fl/) | Bank | Miami Lakes, FL | 51 | $613M | | | [Amerant Bank, National Association](https://lender.report/lender/amerant-bank-fl/) | Bank | Coral Gables, FL | 24 | $536M | | | [Ocean Bank](https://lender.report/lender/ocean-bank-fl/) | Bank | Miami, FL | 25 | $317M | +22.2% | | [Capital City Bank](https://lender.report/lender/capital-city-bank-fl/) | Bank | Tallahassee, FL | 53 | $245M | | | [Emigrant Bank](https://lender.report/lender/emigrant-bank-fl/) | Bank | Miami, FL | 2 | $225M | +8.6% | | [Banesco USA](https://lender.report/lender/banesco-usa-fl/) | Bank | Miami, FL | 5 | $162M | +32.9% | | [Climate First Bank](https://lender.report/lender/climate-first-bank-fl/) | Bank | Saint Petersburg, FL | 4 | $136M | +88.0% | | [Pacific National Bank](https://lender.report/lender/pacific-national-bank-fl/) | Bank | Miami, FL | 6 | $114M | +12.3% | | [Banco do Brasil Americas](https://lender.report/lender/banco-do-brasil-americas-fl/) | Bank | Miami, FL | 4 | $112M | +205.5% | | [EverBank, National Association](https://lender.report/lender/everbank-fl/) | Bank | Jacksonville, FL | 12 | $110M | | | [Newtek Bank, National Association](https://lender.report/lender/newtek-bank-fl/) | Bank | Miami, FL | 1 | $106M | +102.3% | | [Cogent Bank](https://lender.report/lender/cogent-bank-fl/) | Bank | Orlando, FL | 11 | $101M | +28.7% | | [Bank of Central Florida](https://lender.report/lender/bank-of-central-florida-fl/) | Bank | Lakeland, FL | 6 | $98.0M | +70.6% | | [The Bank of Tampa](https://lender.report/lender/bank-of-tampa-fl/) | Bank | Tampa, FL | 13 | $94.6M | +11.6% | | [Mainstreet Community Bank of Florida](https://lender.report/lender/mainstreet-community-bank-of-florida-fl/) | Bank | Deland, FL | 9 | $87.6M | +50.6% | | [Fairwinds Credit Union](https://lender.report/lender/fairwinds-credit-union-fl/) | Credit union | Orlando, FL | 30 | $83.9M | +11.3% | | [Sanibel Captiva Community Bank](https://lender.report/lender/sanibel-captiva-community-bank-fl/) | Bank | Sanibel, FL | 8 | $69.9M | | FDIC call report, Jun 30, 2026 [See all 234 construction lenders in Florida in Loan Comps](https://lender.report/comps/?lane=construction&state=FL) | Lender | Kind | Based in | Offices here | Holds, nationwide | | --- | --- | --- | --- | --- | | [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) | Bank | Columbus, OH | 437 | $18.8B | | [Wells Fargo Bank, National Association](https://lender.report/lender/wells-fargo-bank-sd/) | Bank | Sioux Falls, SD | 456 | $12.5B | | [Bank of America, National Association](https://lender.report/lender/bank-of-america-nc/) | Bank | Charlotte, NC | 414 | $9.68B | | [U.S. Bank National Association](https://lender.report/lender/u-s-bank-oh/) | Bank | Cincinnati, OH | 3 | $9.38B | | [Citibank, National Association](https://lender.report/lender/citibank-sd/) | Bank | Sioux Falls, SD | 56 | $7.99B | | [Fifth Third Bank, National Association](https://lender.report/lender/fifth-third-bank-oh/) | Bank | Cincinnati, OH | 215 | $7.97B | | [Truist Bank](https://lender.report/lender/truist-bank-nc/) | Bank | Charlotte, NC | 441 | $7.61B | | [First-Citizens Bank & Trust Company](https://lender.report/lender/first-citizens-bank-and-trust-nc/) | Bank | Raleigh, NC | 27 | $7.34B | | [Bank OZK](https://lender.report/lender/bank-ozk-ar/) | Bank | Little Rock, AR | 48 | $6.94B | | [Pinnacle Bank](https://lender.report/lender/pinnacle-bank-tn/) | Bank | Nashville, TN | 88 | $5.89B | FDIC call report, Jun 30, 2026 - 111 of these lenders are based in Florida, and 123 are based elsewhere with offices here. FDIC call report, Jun 30, 2026 - These lenders: 173 banks, 9 savings institutions and 52 credit unions. FDIC call report, Jun 30, 2026 - Lenders based in Florida hold $10.6B of construction and land loans, down 0.3% from a year earlier among the 109 of 111 with a comparable earlier filing. FDIC call report, Jun 30, 2026 - The five largest books based here hold 62.3% of that total. FDIC call report, Jun 30, 2026 - SouthState Bank, National Association holds $2.9B, and City National Bank of Florida holds $1.6B. FDIC call report, Jun 30, 2026 - The median book among lenders based in Florida is $20.9M. FDIC call report, Jun 30, 2026 - 49 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report, Jun 30, 2026 - 15 lenders based here hold $100M or more of it. FDIC call report, Jun 30, 2026 - These lenders list 5,176 offices in Florida. FDIC office list, Oct 28, 2026 - Wells Fargo Bank, National Association, based in South Dakota, lists the most offices here among out-of-state lenders, at 456. FDIC office list, Oct 28, 2026 - Among credit unions here, the median average loan in this category is $1.3M. NCUA 5300, Jun 30, 2026 - Bradesco Bank grew this book the most in the year, up 617.7% to $42.4M. FDIC call report, Jun 30, 2026 ## How this list is defined **Measure** construction and land loans held by lenders with an office in Florida **Period** June 30, 2026 **Formula** The balance of construction and land loans on the lender's June 30, 2026 filing, for a lender with an office in Florida. A balance held, not loans made. **Order** Largest first by the book held at the latest filing, then name. Payment is not part of the order. **As of** June 30, 2026 **Source** [FDIC call report](https://api.fdic.gov/banks/financials) **Changelog** November 12, 2026: First published, with the data built on this date. Construction and land development loans finance building and site work, for homes and for commercial projects. Banks report them in one balance. Call reports give one balance per institution, not by state, and they carry balances, not loans made. The figure shown is the whole institution's book. Growth appears only where a book grew over the 12 months. Each lender's own page has its full record. A lender counts here if it holds construction and land loans on its books at the latest filing and has an office in Florida. Lenders that merged or stopped filing are left out. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. [Report a problem](https://lender.report/report/) Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.