Applications / Mortgage Analytics / Lenders / Florida / Emigrant Bank
Miami, FL · Non-bank affiliate of a holding company · FDIC · $5.8 billion assets · 54 loans in 2025
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54
loans originated, 2025
91
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Emigrant Bank, with $5.8 billion in assets, is a minor mortgage lender: it made only 54 loans in 2025, fewer each year since 2023.
Its loans fell from 117 in 2023 to 89 in 2024 and 54 in 2025, a drop of 39% in the latest year. Similar lenders, lenders of the same type making between an eighth and eight times as many loans, shrank by 17%, so its fall was steeper than theirs. Its home lending is small beside its balance sheet.
Every loan was conventional, with no government guarantee, and purchases made up 72.2% of the total. Its typical loan, $345,000, was close to its peers' $325,000. At this volume, shares of particular borrower groups rest on a handful of loans and say little.
It has reported since 1990, and New York remains its main state. Its head office is now in Florida, and it lends in 4 states. It ranked 347 of 802 lenders in the New York market and 469 of 937 around Miami, a small presence in both.
It filed no report from 2018 to 2021, a gap in the record rather than evidence of no lending. Its history also lists a 2023 renaming from Plus International Bank, so the filings shown under this name may join more than one institution's record; readers comparing years should bear that in mind.
Similar lenders: same lender type, originations between an eighth and eight times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Emigrant Bank took 91 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.2% · Refinance 16.7% · Home improvement 9.3% · Other 1.9%
Conventional 100.0% · of 54 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 |
|---|---|---|
| New York | 47 | 87.0% |
| New Jersey | 4 | 7.4% |
| Florida | 2 | 3.7% |
| Connecticut | 1 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 50 |
| Bridgeport-Stamford-Danbury | 1 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
| Miami-Miami Beach-Kendall | 1 |
| Nassau County-Suffolk County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GK8CWYLPIWOV65 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 137915 | 2004–2022 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3049729 | 2006–2016 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5900918 | 2023–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312054 | 1990–2004 |
| Respondent ID (the HMDA filer code before 2018) | 357083 | 2006–2016 |
Established 14 September 2001. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Emigrant Bank's data.
Emigrant Bank's data
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Emigrant 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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