SANTANDER BANK, NATIONAL ASSOCIATION

WILMINGTON, DE · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1907FDIC #29,950

Outstanding Same

Current rating · Exam: January 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Institution Profile

FDIC BankFind

Website

www.santander.com

Address

824 N Market St, WILMINGTON, DE

County

New Castle County

Established

January 1, 1907

Total Assets

$106.1B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 8, 2024

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Jan 2027(based on asset size)

Branch Footprint

FDIC SOD 2025

Total Branches

400

Branch Deposits

$79.5B

1-Year Change

-5

5-year net change: -181 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	86	81.4%	5.81%
2022	4,267	57.39%	31.66%
2021	22,486	53.43%	31.42%

2024 national avg denial rate: 23.75% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

Exam Date	Rating	Exam Type
Jan 2024	Outstanding	Large Bank
Oct 2020	Outstanding	Large Bank
Oct 2017	Satisfactory	Large Bank

1 previous rating locked — back to 2013

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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