Amerant Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
18th35.3% deniedPricingmedian rate spread over APOR, weight 30%
17th0.71 ptsProcesswithdrawn + incomplete share, weight 15%
56th11.4%Closing coststotal loan costs ÷ loan amount, weight 10%
56th2.95% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 873 | 504 | 31.8% | 33.4% | 8.75% | $170M |
| 2024 | 749 | 400 | 36.3% | 38.2% | 9.00% | $192M |
| 2025 | 661 | 356 | 31.3% | 35.3% | 8.00% | $188M |
What Amerant Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 601 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 58 investment properties.
Why Amerant Bank denies applications
Primary reason reported for each of the 207 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Amerant Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 45 | 14 | 65.0% |
| $50k – $100k | 104 | 40 | 46.5% |
| $100k – $150k | 118 | 63 | 38.5% |
| $150k – $250k | 162 | 97 | 30.1% |
| Over $250k | 191 | 117 | 26.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 47 | 27 | 36.4% |
| 35–44 | 144 | 78 | 35.9% |
| 45–54 | 216 | 117 | 36.0% |
| 55–64 | 146 | 69 | 39.7% |
| 65–74 | 66 | 36 | 30.2% |
| Over 74 | 25 | 17 | 25.0% |
Where Amerant Bank lends
6 states and 25 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 654 | 351 | 31.7% | 8.00% | #204 |
Frequently asked questions
Amerant Bank denied 35.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 18th percentile of home-equity (HELOC) lenders.
The most common reason Amerant Bank gave in 2025 was "debt-to-income ratio", cited on 56.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Amerant Bank originated in 2025 was 8.00%, and its median rate spread over the average prime offer rate was 0.71 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 5% of its applications were for home purchases, 35% for refinancing (including cash-out), and 60% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.