Applications / Mortgage Analytics / Lenders / Florida / Bradesco Bank
Coral Gables, FL · State non-member bank · FDIC · $5.5 billion assets · 699 loans in 2025
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699
loans originated, 2025
859
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bradesco Bank is a Florida home-purchase lender with large loans: 92.1% of its originations were purchases and its typical loan was $435,000, more than twice that of similar lenders.
Purchases made up 92.1% of its loans, and jumbo loans (larger than the conforming limit) 22.3%, against 1.9% at similar lenders (state non-member banks making between half and twice as many loans), among the highest in its peer group. All its loans were conventional. It also bought 46 loans, where the typical peer bought none.
LMI (low- and moderate-income) borrowers took 0.5% of its loans, against 26.4% at peers, among the lowest in its group; its large loans are one possible reason. Majority-minority areas took 66.4%, against 8.0%, among the highest; that follows where it lends, with Miami-Fort Lauderdale-West Palm Beach its largest market, where it ranked 25 of 937 lenders.
Originations fell 19% to 699, against growth of 9% at peers and 10% in the whole market. They peaked at 1,011 in 2022 and were 288 in 2020. Dollar volume held near level at $508.9 million. Its share in Orlando-Kissimmee-Sanford slipped 0.1 points to 0.4%, a small change that may reflect its lower loan count.
None of its loans was higher-priced (a rate well above the average for similar loans), down from 5.9% five years before. Its typical rate, 6.62%, was close to peers' 6.75%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bradesco Bank took 859 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 92.1% · Refinance 7.3% · Home improvement 0.3% · Other 0.3%
Conventional 100.0% · of 699 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 | 636 | 91.0% |
| Texas | 43 | 6.2% |
| New York | 12 | 1.7% |
| Colorado | 5 | 0.7% |
| Massachusetts | 2 | 0.3% |
| Maryland | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Miami-Miami Beach-Kendall | 369 |
| Orlando-Kissimmee-Sanford | 140 |
| Fort Lauderdale-Pompano Beach-Sunrise | 72 |
| Houston-Pasadena-The Woodlands | 35 |
| West Palm Beach-Boca Raton-Delray Beach | 32 |
| New York-Jersey City-White Plains | 12 |
| Cape Coral-Fort Myers | 5 |
| Dallas-Plano-Irving | 5 |
| Lakeland-Winter Haven | 4 |
| North Port-Bradenton-Sarasota | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006Q0EMYD3OJ8N13 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 725732 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 321265 | 1990–2017 |
Established 12 October 1973. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bradesco Bank's data.
Bradesco Bank's data
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Bradesco Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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