Applications / Mortgage Analytics / Lenders / Florida / International Finance Bank
Miami, FL · State member bank · FRS · $1.6 billion assets · 22 loans in 2025
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22
loans originated, 2025
26
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
International Finance Bank, a Miami bank founded in 1983 as Westchester Bank, makes only a handful of home loans a year, too few to read much into.
It made 22 loans in 2025, down from 36 in 2024. That is fewer than most similar lenders, here state member banks making between half and twice as many loans, whose typical count was 34. At this size, shares and typical figures swing on one or two loans, so they support no firm conclusions.
Every loan was conventional, as at most similar banks, and none was government-backed. Its 22 loans came to $54.3 million, more than at most peers, whose typical total was $11.8 million. It also bought 7 loans from other lenders; the typical peer bought none.
It filed no HMDA report for 2020, 2021 or 2022; those are gaps in the record, not years without lending. It first reported in 1990, when the public data begin, and took its present name in 1992. It made 57 loans in 2018.
Florida is its main state, and it lends in three states and six metros. In Miami-Fort Lauderdale-West Palm Beach, its market since 1990, it ranks 242 of 937 lenders. It ranks 312 of 802 in New York-Newark-Jersey City and first lent in Atlanta in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. International Finance Bank took 26 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.6% · Home improvement 18.2% · Refinance 18.2%
Conventional 100.0% · of 22 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 | 15 | 68.2% |
| New York | 6 | 27.3% |
| Georgia | 1 | 4.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Miami-Miami Beach-Kendall | 12 |
| New York-Jersey City-White Plains | 5 |
| Fort Lauderdale-Pompano Beach-Sunrise | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Nassau County-Suffolk County | 1 |
| West Palm Beach-Boca Raton-Delray Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900UKSP6SQGRSFL18 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 867632 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 324823 | 1990–2017 |
Established 30 November 1983. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: International Finance Bank's data.
International Finance Bank's data
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International Finance 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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