Applications / Mortgage Analytics / Lenders / Florida / Desjardins Bank
Hallandale, FL · National bank · OCC · $353 million assets · 67 loans in 2025
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67
loans originated, 2025
96
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Desjardins Bank makes large purchase loans, many in majority-minority areas, but it made 30% fewer of them in 2025.
It made 67 loans, down 30% from 96, while similar lenders (national banks making between half and twice as many loans) grew 3%. More than nine in ten peers had a higher change. Yet the amount it lent edged up to $37.0 million, as its typical loan rose from $255,000 to $325,000, against $175,000 at peers. It made 198 loans in 2022. The data give no reason for the fall; a lender this focused on purchases may track the local housing market closely.
Purchases made up 83.6% of its loans. Jumbo loans (larger than the conforming limit) took 10.9%, against 3.0% at peers. All were conventional.
Majority-minority areas took 46.3% of its loans, against 7.7% at peers, and poorer neighborhoods (low- and moderate-income, or LMI, tracts) 28.8%, against 15.9%. Both shares were higher than about four in five peers'. None of its loans went to LMI borrowers, against 23.4% at peers; large purchase loans may go mainly to higher-income buyers.
It has lent in Miami-Fort Lauderdale-West Palm Beach since 1993 and ranked 235 of 937 lenders there. It lent in 11 metros, entering Ocala in 2025. Its shares outside Miami round to 0.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Desjardins Bank took 96 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.6% · Refinance 9.0% · Home improvement 6.0% · Other 1.5%
Conventional 100.0% · of 67 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 | 66 | 98.5% |
| Nevada | 1 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Lauderdale-Pompano Beach-Sunrise | 34 |
| West Palm Beach-Boca Raton-Delray Beach | 11 |
| Orlando-Kissimmee-Sanford | 7 |
| Naples-Marco Island | 5 |
| Cape Coral-Fort Myers | 2 |
| Miami-Miami Beach-Kendall | 2 |
| North Port-Bradenton-Sarasota | 2 |
| Lakeland-Winter Haven | 1 |
| Las Vegas-Henderson-North Las Vegas | 1 |
| Ocala | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300U37SC1LBUJFV92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1940747 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 49702 | 1993–2003 |
| Respondent ID (the HMDA filer code before 2018) | 123852 | 2004–2017 |
Established 28 February 1992. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Desjardins Bank's data.
Desjardins Bank's data
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Desjardins 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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