Applications / Mortgage Analytics / Lenders / Florida / Amerant Bank
Coral Gables, FL · National bank · OCC · $9.8 billion assets · 356 loans in 2025
Amerant Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
356
loans originated, 2025
661
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Amerant Bank lends mostly for home improvement and refinancing, in larger amounts than most similar banks, and about three-quarters of its loans are in majority-minority areas.
Home improvement made up 39.3% of its loans and refinances 36.0%; purchases were only 7.6%. It also bought 125 loans from other lenders, down from 349 in 2024, whereas most similar lenders (national banks making between half and twice as many loans) bought none.
Its typical loan was $275,000, against $205,000 at similar lenders, and 15.8% of its loans were jumbo (larger than the conforming limit), against 2.0%. Low- and moderate-income (LMI) borrowers took 8.5%, against 26.0%, among the lowest twentieth. Its focus on larger loans is one possible reason.
Majority-minority areas took 76.1% of its loans, against 6.5% at similar lenders, more than at nearly all of them. Its lending centers on Miami-Fort Lauderdale-West Palm Beach, where it ranks 58 of 937 and has lent since at least 1990.
Originations fell 11% to 356, while similar lenders grew 5% and the whole market 10%. The count was 748 in 2022. The figures cover only home loans, so the fall may reflect a shift toward other kinds of credit that the public data do not show.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Amerant Bank took 661 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 39.3% · Refinance 36.0% · Other 17.1% · Purchase 7.6%
Conventional 100.0% · of 356 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 | 351 | 98.6% |
| New Jersey | 3 | 0.8% |
| Georgia | 1 | 0.3% |
| New York | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Miami-Miami Beach-Kendall | 217 |
| Fort Lauderdale-Pompano Beach-Sunrise | 70 |
| West Palm Beach-Boca Raton-Delray Beach | 39 |
| Tampa | 9 |
| Orlando-Kissimmee-Sanford | 4 |
| Naples-Marco Island | 3 |
| St. Petersburg-Clearwater-Largo | 3 |
| Newark | 2 |
| Port St. Lucie | 2 |
| Cape Coral-Fort Myers | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | UPMVBH3EU3LS6P1KR697 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 83638 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 116804 | 1990–2017 |
Established 17 September 1979. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Amerant Bank's data.
Amerant Bank's data
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Amerant 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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