Banco do Brasil Americas at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
24th11.5% deniedPricingmedian rate spread over APOR, weight 30%
70th0.70 ptsProcesswithdrawn + incomplete share, weight 15%
39th7.4%Closing coststotal loan costs ÷ loan amount, weight 10%
42nd3.62% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 757 | 624 | 6.7% | 7.4% | 7.25% | $354M |
| 2024 | 766 | 637 | 7.7% | 8.3% | 7.25% | $361M |
| 2025 | 647 | 519 | 10.7% | 11.5% | 6.50% | $322M |
What Banco do Brasil Americas 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: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 631 investment properties.
Why Banco do Brasil Americas denies applications
Primary reason reported for each of the 69 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Banco do Brasil Americas
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $150k – $250k | 50 | 28 | 37.0% |
| Over $250k | 178 | 89 | 33.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 78 | 39 | 32.8% |
| 45–54 | 92 | 54 | 24.3% |
| 55–64 | 40 | 19 | 45.7% |
Where Banco do Brasil Americas lends
2 states and 24 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 643 | 518 | 10.6% | 6.50% | #206 |
Frequently asked questions
Banco do Brasil Americas denied 11.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 24th percentile of investment-property lenders.
The most common reason Banco do Brasil Americas gave in 2025 was "credit history", cited on 53.6% 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 Banco do Brasil Americas originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.70 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 92% of its applications were for home purchases, 7% for refinancing (including cash-out), and 1% 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.