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Hatch Bank

Sponsor bank
BaaSSponsor Bank

Sponsor bank tracked in the Embedded Finance Index. Named by 5 companies, most often as their sponsor bank.

hatchbank.com ↗Also analysed as a company — its own stack →
TypeSponsor bank
Used asSponsor bank, Banking-as-a-Service
Rank#37 of 199 in Sponsor Bank
Buyers5 companies
HeadquartersSan Marcos, California, USA
Founded1990

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How companies use Hatch Bank

5 companies name Hatch Bank in their stack. The most common role is sponsor bank (5). A company can use the same bank for more than one thing.

Sponsor bank5
Banking-as-a-Service4
Hatch Bank’s APIs · from Open Banking Tracker

Open Banking Tracker has no developer portal on file for Hatch Bank.

From Open Banking Tracker’s open dataset, record “Hatch Bank”. Full bank profile on Open Banking Tracker ↗
Background · from Hatch Bank’s own dossier

Hatch Bank traces its roots to Rancho Santa Fe Thrift & Loan, a California thrift acquired by Firstrust Bank in 1990. In recent years the bank has repositioned itself as a purpose-built sponsor bank for fintechs, focusing on embedded lending (renewable energy, healthcare finance, home improvement/POS) and commercial card issuing rather than traditional community banking. Anchor fintech partnerships include Wisetack (since 2020), HFD (healthcare financing), Mercantile, and Sungage Financial.

Key signals
  • Specialising sponsor bank: verticalised, lending-led BaaS (Wisetack, Sungage, HMBradley) rather than horizontal fintech sponsorship (American Banker, Sept 2026).
Recent developments
  • 2026-09Told American Banker it has been adding to its BaaS business over the past 12–18 months with a specialised focus: venture- or PE-backed technology platforms (contractors, dentists, orthodontists) that distribute a Hatch loan or product through their software, rather than the broad fintech market. CRO Jeffrey Green: fintech-acquired charters 'just increased competition in banking as a service'. source ↗
  • 2026-05Extended and expanded lending partnership with Wisetack, with increased capital commitments from Hatch source ↗
  • 2026-05Announced partnership with Sungage Financial for residential solar and home efficiency lending source ↗
  • 2026-01Hatch Bank added new executives to strengthen leadership in sponsor banking source ↗
Full dossier: Hatch Bank’s own stack, layer by layer →
Who uses Hatch Bank
5 companies disclose Hatch Bank in their stack
EnfinHmbradleyHFDMercantileWisetack
Buyer mix · 5 of 5 classified
Fintech / Lending · 3Fintech / Neobank · 1Infrastructure / Card issuing · 1
US · 3
What the disclosures say
Enfin
“Hatch Bank publicly lists EnFin as a customer at bankingembedded.com.”
Hmbradley
“HMBradley Privacy Policy explicitly names 'Hatch Bank' alongside HMBradley as joint data controllers, and the Privacy Notice header reads 'What does HM Bradley and Hatch Bank do with your personal information?' — confirming Hatch Bank as the sponsor bank.”
HFD
“Hatch Bank publicly lists HFD as a customer at https://www.bankingembedded.com/companies/hfd — TIER 1 known_customer_listings evidence.”
View source · bankingembedded.com ↗
Mercantile
“Hatch Bank publicly lists Mercantile as a customer at bankingembedded.com/companies/mercantile.”
Wisetack
“Hatch Bank has been Wisetack's originating sponsor bank partner since 2020, originating consumer loans through Wisetack's platform (hatchbank.com, wisetack.com privacy policy).”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Hatch Bank? Claim this profile above to unlock your own full list.
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What Hatch Bank runs on · from its own dossier
The third-party providers Hatch Bank itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Hatch Bank.
Lending
wisetack
Full dossier with evidence for each layer →
Other banks in Sponsor Bank

Other banks named for Sponsor Bank in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Evolve Bank & Trust100 buyers →Sutton Bank64 buyers →Cross River63 buyers →Pathward43 buyers →Celtic Bank39 buyers →Community Federal Savings Bank37 buyers →Thread Bank31 buyers →The Bancorp Bank25 buyers →
Share this rank

An embeddable badge for Hatch Bank’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #37 of 199 in Sponsor Bank — Embedded Finance Index 2026
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<a href="https://www.embeddedfinanceindex.com/vendors/hatch-bank?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/hatch-bank.svg"
       alt="Ranked #37 of 199 in Sponsor Bank — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/hatch-bank/install" width="1" height="1" alt="" style="display:none">

Hatch Bank — frequently asked

Which companies use Hatch Bank?

5 companies are linked to Hatch Bank in the Embedded Finance Index 2026, through their own public disclosures or Hatch Bank's published customer list, including Enfin, Hmbradley, HFD, Mercantile and Wisetack.

What do fintechs use Hatch Bank for?

Hatch Bank is a sponsor bank. Companies in the Embedded Finance Index 2026 name it as their sponsor bank (5) and banking-as-a-service (4).

What are the alternatives to Hatch Bank?

The most-named Sponsor Bank alternatives to Hatch Bank are Evolve Bank & Trust (100 buyers), Sutton Bank (64 buyers), Cross River (63 buyers), Pathward (43 buyers), Celtic Bank (39 buyers) and Community Federal Savings Bank (37 buyers).

Where is Hatch Bank headquartered?

Hatch Bank is founded in 1990 and headquartered in San Marcos, California, USA.

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