Applications / Mortgage Analytics / Lenders / Florida / Banco DO Brasil Americas
Miami, FL · State non-member bank · FDIC · $3.2 billion assets · 519 loans in 2025
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519
loans originated, 2025
647
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Banco DO Brasil Americas is a Florida bank lending almost entirely for home purchase, with loans about twice the size of similar lenders' and a majority of them in majority-minority areas.
Purchase loans made up 95.6% of its lending, and all its loans were conventional. Its typical loan was $415,000, against $185,000 at similar lenders (state non-member banks making between half and twice as many loans), and 11.9% were jumbo (larger than the conforming limit), against 1.6%. It also bought 57 loans, where the typical similar lender bought none.
51.6% of its loans were in majority-minority areas, against 7.2% at similar lenders, higher than nine in ten of them. Only 6.4% were in low- and moderate-income (LMI) areas, against 15.9%, among the lowest in the group; large purchase loans, which tend to go to higher-income areas, are one possible reason.
It made 519 loans in 2025, down 19%, while similar lenders grew 9% and the whole market 10%. That followed a rise from 100 loans in 2020 to 637 in 2024. As a lender almost entirely of home purchases in a few Florida markets, it may depend more than most on home sales there. In Orlando-Kissimmee-Sanford, its largest market, its share fell from 1.2% to 0.8%, ranking 26 of 854; its own lower volume is one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Banco DO Brasil Americas took 647 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 95.6% · Refinance 4.0% · Home improvement 0.4%
Conventional 100.0% · of 519 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 | 518 | 99.8% |
| New York | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Orlando-Kissimmee-Sanford | 375 |
| Miami-Miami Beach-Kendall | 67 |
| Lakeland-Winter Haven | 32 |
| Fort Lauderdale-Pompano Beach-Sunrise | 11 |
| Cape Coral-Fort Myers | 8 |
| West Palm Beach-Boca Raton-Delray Beach | 8 |
| Jacksonville | 3 |
| Naples-Marco Island | 3 |
| North Port-Bradenton-Sarasota | 3 |
| Deltona-Daytona Beach-Ormond Beach | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900667M5CK6Y3DF27 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 110936 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326725 | 1990–2017 |
Established 24 July 1986. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Banco DO Brasil Americas's data.
Banco DO Brasil Americas's data
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Banco DO Brasil Americas 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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