Applications / Mortgage Analytics / Lenders / Florida / Natbank
Hollywood, FL · National bank · OCC · $279 million assets · 62 loans in 2025
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62
loans originated, 2025
95
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Natbank has moved toward much larger loans over five years, with a typical loan of $480,000 in 2025 against $145,000 in 2020, which sets it apart from similar banks and shapes most of its other figures.
Its typical loan is larger than about nine in ten similar lenders (national banks making between half and twice as many loans), whose figure is $177,500. 29.3% of its loans were jumbo (larger than the conforming limit), against 3.2% for a typical peer and 9.5% five years before. Its $54.3 million in lending, up from $39.9 million, came from 62 loans.
None of its loans went to LMI (low- and moderate-income) borrowers, against 22.6% for a typical similar lender, and its share in LMI areas fell to 13.6% from 48.4% five years before. Larger loans for costlier homes around Miami, or loans to businesses that report no income, could each account for this.
It made 62 loans, against 95 five years before and 114 in 2018. Its loan count rose 15% in 2025, faster than about two-thirds of similar lenders, while the typical peer grew 3% and the whole market 10%.
All its lending is in Florida, across 15 metros, and it has reported in Miami-Fort Lauderdale-West Palm Beach since 1996, where it ranks 189 of 937. 29.0% of its loans were in majority-minority areas, against 8.0% for a typical peer, which may follow from where it lends.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Natbank took 95 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.6% · Refinance 22.6% · Other 3.2% · Home improvement 1.6%
Conventional 100.0% · of 62 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 62 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Lauderdale-Pompano Beach-Sunrise | 26 |
| West Palm Beach-Boca Raton-Delray Beach | 9 |
| Orlando-Kissimmee-Sanford | 5 |
| Miami-Miami Beach-Kendall | 3 |
| Palm Bay-Melbourne-Titusville | 3 |
| Port St. Lucie | 3 |
| Cape Coral-Fort Myers | 2 |
| Lakeland-Winter Haven | 2 |
| Naples-Marco Island | 2 |
| Punta Gorda | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300U5SDGYPSPXZU37 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2233875 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 412209 | 1996–1997 |
| Respondent ID (the HMDA filer code before 2018) | 123523 | 1998–2017 |
Established 6 December 1994. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Natbank's data.
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