Applications / Mortgage Analytics / Lenders / Florida / American Bancshares Mortgage
Miami Lakes, FL · Independent non-bank lender · CFPB · 359 loans in 2025
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359
loans originated, 2025
565
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Bancshares Mortgage, a Miami Lakes non-bank lender, makes almost all its loans to home buyers and lends in poorer and majority-minority neighborhoods far more than its peers.
Purchases made up 91.6% of its 2025 loans. Loans insured by the Federal Housing Administration (FHA) were 29.0%, against 17.5% at the typical similar lender (independent non-bank lenders making between half and twice as many loans). Its typical loan, $275,000, was smaller than at nearly three in four peers.
Of its loans, 31.1% were in low- and moderate-income (LMI) neighborhoods, more than at nine in ten peers, against 18.1% for the typical one. More than half, 56.0%, were in majority-minority neighborhoods, against 22.9%. Its heavy FHA lending and smaller loans may be part of the reason.
Its loans fell 38% to 359, while the typical peer grew 1% and the whole market 10%; fewer than one in ten peers shrank more. Its share in Ocala fell to 0.3% from 1.6%, but it held its share in Orlando-Kissimmee-Sanford and Port St. Lucie, so the loss may have come mostly from a few markets. It has reported since 1997 and made 2,056 loans in 2020; it filed no report for 2021, a gap in the record rather than a year without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. American Bancshares Mortgage took 565 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 91.6% · Refinance 8.4%
Conventional 67.1% · FHA 29.0% · VA 3.1% · USDA (RHS or FSA) 0.8% · of 359 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 | 344 | 95.8% |
| Georgia | 2 | 0.6% |
| North Carolina | 2 | 0.6% |
| Tennessee | 2 | 0.6% |
| Texas | 2 | 0.6% |
| Virginia | 2 | 0.6% |
| Alabama | 1 | 0.3% |
| Massachusetts | 1 | 0.3% |
| Missouri | 1 | 0.3% |
| New Jersey | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Lauderdale-Pompano Beach-Sunrise | 75 |
| Miami-Miami Beach-Kendall | 53 |
| Ocala | 48 |
| Orlando-Kissimmee-Sanford | 40 |
| Tampa | 39 |
| Port St. Lucie | 19 |
| Cape Coral-Fort Myers | 13 |
| West Palm Beach-Boca Raton-Delray Beach | 12 |
| St. Petersburg-Clearwater-Largo | 8 |
| Deltona-Daytona Beach-Ormond Beach | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EQED7LF41GHV46 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4437480 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7650763054 | |
| Respondent ID (the HMDA filer code before 2018) | 71062300002 | 1997–2006 |
Established 10 April 1995. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: American Bancshares Mortgage's data.
American Bancshares Mortgage's data
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American Bancshares Mortgage 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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