Applications / Mortgage Analytics / Lenders / Florida / Edison National Bank
Fort Myers, FL · National bank · OCC · $427 million assets · 6 loans in 2025
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6
loans originated, 2025
9
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Edison National Bank, a Fort Myers bank that has lent in its home market since 1999, made only 6 home loans in 2025, the fewest of any reported year since 2018.
Its loans fell 60%, from 15 to 6. Similar lenders, here national banks making between a quarter and four times as many loans, made 37% fewer, while the whole market grew 10%. It made fewer loans than all but a few of them. With so few loans, one or two customers more or less can move the count a long way.
It made 25 loans in 2018 and 14 in 2019, then filed no report for 2020, 2021 or 2022. Since 2020 a bank making fewer than 100 closed-end loans a year need not report, so those years are gaps in the record, not years without lending. It reported again in 2023, with 8 loans.
It has lent in Cape Coral-Fort Myers since 1999 and in Naples-Marco Island and Miami-Fort Lauderdale-West Palm Beach since 2004. It added Asheville in 2025. In each of these markets it is a minor presence: in Naples it ranks 260 of 595 lenders, in a market led by United Wholesale Mortgage. With six loans, its borrower mix and loan sizes are too small to read much into. The bank was established in 1997.
Similar lenders: same lender type, originations between a quarter and four times the lender's. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Edison National Bank took 9 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
Conventional 100.0% · of 6 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 | 5 | 83.3% |
| North Carolina | 1 | 16.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cape Coral-Fort Myers | 2 |
| Fort Lauderdale-Pompano Beach-Sunrise | 2 |
| Asheville | 1 |
| Naples-Marco Island | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300POAFZ9PGU16760 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2594419 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 123329 | 1999–2017 |
Established 29 August 1997. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Edison National Bank's data.
Edison National Bank's data
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