🏦Bank Scorer

BANKUNITED, FSB

MIAMI LAKES, FL · Supervised by OTS

Est. 2009FDIC #58,979
Satisfactory Same

Current rating · Exam: July 2006

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Consumer Complaints (12 mo)

7

2 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 0.83%

Is this bank safe?

BANKUNITED, FSB holds a Satisfactory CRA rating (2006), and meets basic financial requirements (ROA +0.83%), and reports a low consumer complaint rate (2 per $B in assets).

Institution Profile

FDIC BankFind

Address

14817 Oak Ln, MIAMI LAKES, FL

County

Miami-Dade County

Established

May 21, 2009

Total Assets

$35.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 31, 2006

Exam Type

Large Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 19 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$35.3B

Total Deposits

$29.6B

Net Loans

$24.0B

Net Income

$73M

ROA

0.83%

Below avg for Regional banks. Peer avg: 0.88%

ROE

9.24%

Risk-Based Capital

13.73%

Below avg for Regional banks. Regulatory min: 8%

Peer Comparison

Regional banks

Compared to the peer-bank Regional peer group (same asset tier).

ROA0.83%Peer avg: 0.88%▼ Below avg
Risk-Based Capital13.73%Peer avg: 30.04%▼ Below avg
Mortgage Denial Rate3.28%Peer avg: 26.91%▲ Above avg
Complaints / $B2.00Peer avg: 25.80▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

55

Branch Deposits

$29.2B

1-Year Change

-2

5-year net change: -25 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20196190.16%3.28%
20189688.54%6.25%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Regional bank avg: 26.91% · above-average shown in red

Consumer Complaints

CFPB · through Apr 2026

Last 12 Months

7

Since 2018

78

all complaints on record

Monetary Relief

9%

% of complaints where company provided monetary relief

Untimely Response

0%

% exceeding CFPB's 15-day response window

Monthly Complaints (2021–present)

MonthComplaintsWith Monetary Relief
June 202510
July 202500
August 202500
September 202500
October 202510
November 202500
December 202520
January 202610
February 202610
March 202600
April 202610

Data through Apr 2026.Last 12 months shown — unlock full history.

Full 2021–present history available — unlock this bank for $9 one-time.

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
Jul 2006SatisfactoryLarge Bank
Aug 2003SatisfactoryLarge Bank
Jul 2000SatisfactoryLarge Bank

3 previous ratings locked — back to 1993

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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