Applications / Mortgage Analytics / Lenders / Florida / Marine Bank & Trust Company
Vero Beach, FL · State non-member bank · FDIC · $657 million assets · 55 loans in 2025
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55
loans originated, 2025
64
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Marine Bank & Trust Company is a Vero Beach lender of large home-purchase loans, and in 2025 it won back ground in its home market.
Its typical loan was $505,000, against $165,000 at similar lenders: state non-member banks making between half and twice as many loans. That is larger than at more than nine in ten of them. Jumbo loans, those larger than the conforming limit, made up 22.6% of its lending, against 1.6% for peers. Four in five of its loans paid for a home purchase.
Its loans rose by 67% to 55, while similar lenders grew by 7% and the whole market by 10%. Its share of the Sebastian-Vero Beach-West Vero Corridor market rose from 0.9% to 2.5%, putting it sixth of 366 lenders, behind United Wholesale Mortgage, Rocket Mortgage, JPMorgan Chase Bank, SouthState Bank and Guild Mortgage Company. It has lent there since 2004.
The rebound leaves it well short of earlier years. It made 170 loans in 2022 and 91 in 2020, against 33 in 2024.
Only 3.9% of its loans went to low- and moderate-income (LMI) borrowers, against 27.4% at similar lenders, among the lowest tenth. The size of its loans is one possible reason: borrowers who take loans of $505,000 tend to have higher incomes. Its share of loans in poorer neighborhoods, 12.7%, was closer to peers' 18.5%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Marine Bank & Trust Company took 64 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.0% · Other 9.1% · Refinance 7.3% · Home improvement 3.6%
Conventional 100.0% · of 55 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 | 55 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sebastian-Vero Beach-West Vero Corridor | 28 |
| Palm Bay-Melbourne-Titusville | 13 |
| Port St. Lucie | 10 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
| Homosassa Springs | 1 |
| Miami-Miami Beach-Kendall | 1 |
| Naples-Marco Island | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HJSQXR32ZGFP55 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2587916 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334233 | 2004–2017 |
Established 1 July 1997. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Marine Bank & Trust Company's data.
Marine Bank & Trust Company's data
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Marine Bank & Trust Company 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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