Applications / Mortgage Analytics / Lenders / Florida / Terrabank
Miami, FL · National bank · OCC · $853 million assets · 61 loans in 2025
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61
loans originated, 2025
79
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Terrabank, a Miami national bank, lends mostly in majority-minority neighborhoods and makes larger loans than similar banks, though its loan count fell by about a third in 2025.
In 2025, 78.7% of its loans went to majority-minority neighborhoods, against 8.1% at similar lenders (national banks making between half and twice as many loans), higher than almost all of them. Its lending centers on Miami-Fort Lauderdale-West Palm Beach, FL, its largest market.
Its typical loan was $425,000, against $175,000 at peers, more than double. Purchase loans made up 70.5% of its lending and refinances the rest, all of them conventional.
Its loans fell 32%, from 90 to 61, while similar lenders grew 3%; more than nine in ten grew faster. Its lending in dollars fell far less, from $46.7 million to $43.5 million, so larger loans may account for part of the drop in count. It still entered Gainesville and Austin in 2025, after Cape Coral and Tampa in 2024. It filed no HMDA report for 2020 to 2022.
In Gainesville, FL, its first year, it took 0.1% and ranks 113 of 367 lenders. United Wholesale Mortgage leads there. In Orlando it ranks 329 of 854.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Terrabank took 79 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.5% · Refinance 29.5%
Conventional 100.0% · of 61 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 | 60 | 98.4% |
| Texas | 1 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Miami-Miami Beach-Kendall | 25 |
| Fort Lauderdale-Pompano Beach-Sunrise | 12 |
| Orlando-Kissimmee-Sanford | 11 |
| Lakeland-Winter Haven | 8 |
| Austin-Round Rock-San Marcos | 1 |
| Cape Coral-Fort Myers | 1 |
| Gainesville | 1 |
| Tampa | 1 |
| West Palm Beach-Boca Raton-Delray Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900T2AM7E5EQDN105 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 238737 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 120157 | 1990–2017 |
Established 21 November 1985. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Terrabank's data.
Terrabank's data
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