--- title: Owner-Occupied CRE Lenders in Florida: 257 Hold These Loans url: https://lender.report/owner-occupied-cre-lenders/florida/ license: https://lender.report/license/ --- Owner-Occupied CRE ยท FL # Owner-Occupied CRE lenders in Florida 257 lenders with an office in Florida hold owner-occupied commercial real estate loans on their books. SouthState Bank, National Association, based in Florida, holds the largest book among those based here, at $7.8B. **Evidence** Lender holds owner-occupied commercial real estate 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** 257 FDIC call report, Jun 30, 2026 **Based here** 122 FDIC call report, Jun 30, 2026 **Held by those based here** $24.1B FDIC call report, Jun 30, 2026 +7.5% from a year earlier, 120 of 122 lenders **Median book, based here** $43.5M FDIC call report, Jun 30, 2026 Cite this Source: The Lender Report, Owner-Occupied CRE lenders in Florida, https://lender.report/owner-occupied-cre-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 owner-occupied CRE loans in Florida](https://lender.report/comps/?lane=cre_owner&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 | $7.85B | +4.9% | | [Seacoast National Bank](https://lender.report/lender/seacoast-national-bank-fl/) | Bank | Stuart, FL | 117 | $2.05B | | | [BankUnited, National Association](https://lender.report/lender/bankunited-fl/) | Bank | Miami Lakes, FL | 51 | $1.75B | +4.3% | | [City National Bank of Florida](https://lender.report/lender/city-national-bank-of-florida-fl/) | Bank | Miami, FL | 30 | $1.74B | | | [Ocean Bank](https://lender.report/lender/ocean-bank-fl/) | Bank | Miami, FL | 25 | $780M | +3.8% | | [Amerant Bank, National Association](https://lender.report/lender/amerant-bank-fl/) | Bank | Coral Gables, FL | 24 | $745M | | | [Newtek Bank, National Association](https://lender.report/lender/newtek-bank-fl/) | Bank | Miami, FL | 1 | $569M | +111.1% | | [The Bank of Tampa](https://lender.report/lender/bank-of-tampa-fl/) | Bank | Tampa, FL | 13 | $556M | +22.2% | | [Vystar Credit Union](https://lender.report/lender/vystar-credit-union-fl/) | Credit union | Jacksonville, FL | 91 | $374M | +19.9% | | [Banesco USA](https://lender.report/lender/banesco-usa-fl/) | Bank | Miami, FL | 5 | $353M | +34.4% | | [Midflorida Credit Union](https://lender.report/lender/midflorida-credit-union-fl/) | Credit union | Lakeland, FL | 69 | $346M | +60.4% | | [Capital City Bank](https://lender.report/lender/capital-city-bank-fl/) | Bank | Tallahassee, FL | 53 | $340M | | | [EverBank, National Association](https://lender.report/lender/everbank-fl/) | Bank | Jacksonville, FL | 12 | $311M | +67.2% | | [Cogent Bank](https://lender.report/lender/cogent-bank-fl/) | Bank | Orlando, FL | 11 | $300M | +7.6% | | [OptimumBank](https://lender.report/lender/optimumbank-fl/) | Bank | Fort Lauderdale, FL | 4 | $290M | +68.8% | | [Fairwinds Credit Union](https://lender.report/lender/fairwinds-credit-union-fl/) | Credit union | Orlando, FL | 30 | $265M | | | [Campus USA Credit Union](https://lender.report/lender/campus-usa-credit-union-fl/) | Credit union | Gainesville, FL | 23 | $221M | +28.3% | | [Suncoast Credit Union](https://lender.report/lender/suncoast-credit-union-fl/) | Credit union | Tampa, FL | 81 | $215M | +75.2% | | [Mainstreet Community Bank of Florida](https://lender.report/lender/mainstreet-community-bank-of-florida-fl/) | Bank | Deland, FL | 9 | $214M | +22.3% | | [U. S. Century Bank](https://lender.report/lender/u-s-century-bank-fl/) | Bank | Doral, FL | 9 | $211M | +1.9% | FDIC call report, Jun 30, 2026 [See all 257 owner-occupied CRE lenders in Florida in Loan Comps](https://lender.report/comps/?lane=cre_owner&state=FL) | Lender | Kind | Based in | Offices here | Holds, nationwide | | --- | --- | --- | --- | --- | | [Bank of America, National Association](https://lender.report/lender/bank-of-america-nc/) | Bank | Charlotte, NC | 414 | $24.7B | | [Wells Fargo Bank, National Association](https://lender.report/lender/wells-fargo-bank-sd/) | Bank | Sioux Falls, SD | 456 | $17.8B | | [Truist Bank](https://lender.report/lender/truist-bank-nc/) | Bank | Charlotte, NC | 441 | $17.8B | | [First-Citizens Bank & Trust Company](https://lender.report/lender/first-citizens-bank-and-trust-nc/) | Bank | Raleigh, NC | 27 | $16.8B | | [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) | Bank | Columbus, OH | 437 | $14.4B | | [The Huntington National Bank](https://lender.report/lender/huntington-national-bank-oh/) | Bank | Columbus, OH | 21 | $13.3B | | [Fifth Third Bank, National Association](https://lender.report/lender/fifth-third-bank-oh/) | Bank | Cincinnati, OH | 215 | $12.0B | | [Manufacturers and Traders Trust Company](https://lender.report/lender/manufacturers-and-traders-trust-ny/) | Bank | Buffalo, NY | 3 | $10.6B | | [PNC Bank, National Association](https://lender.report/lender/pnc-bank-de/) | Bank | Wilmington, DE | 202 | $10.4B | | [Pinnacle Bank](https://lender.report/lender/pinnacle-bank-tn/) | Bank | Nashville, TN | 88 | $9.45B | FDIC call report, Jun 30, 2026 - 122 of these lenders are based in Florida, and 135 are based elsewhere with offices here. FDIC call report, Jun 30, 2026 - These lenders: 173 banks, 8 savings institutions and 76 credit unions. FDIC call report, Jun 30, 2026 - Lenders based in Florida hold $24.1B of owner-occupied commercial real estate loans, up 7.5% from a year earlier among the 120 of 122 with a comparable earlier filing. FDIC call report, Jun 30, 2026 - The five largest books based here hold 58.7% of that total. FDIC call report, Jun 30, 2026 - SouthState Bank, National Association holds $7.8B, and Seacoast National Bank holds $2.1B. FDIC call report, Jun 30, 2026 - The median book among lenders based in Florida is $43.5M. FDIC call report, Jun 30, 2026 - 46 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report, Jun 30, 2026 - 34 lenders based here hold $100M or more of it. FDIC call report, Jun 30, 2026 - These lenders list 5,268 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 $587K. NCUA 5300, Jun 30, 2026 - Banco do Brasil Americas grew this book the most in the year, up 180.5% to $44.8M. FDIC call report, Jun 30, 2026 ## How this list is defined **Measure** owner-occupied commercial real estate loans held by lenders with an office in Florida **Period** June 30, 2026 **Formula** The balance of owner-occupied commercial real estate 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. Owner-occupied commercial real estate is property a business uses itself, such as its own plant, shop or office. It is often tied to the business loan. 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 owner-occupied commercial real estate 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.