I think the wells fargo banking app on the phone is not native. The At&t one doesn't feel like it. Usually there's something different about the controls and interactions that make it not feel native. Sometimes there's a dead giveaway like being able to double tap and accidentally zoom in just like in mobile Safari.
And the spacebar will 80% of the time page down rather than pause the music, something which sounds minor but which makes the user experience 50% more annoying for me. Do most people even use spacebar to page down in normal webpages!?
It wouldn't be so sad if it wasn't so noticeable.
.net uses the native win32 gui toolkit - but you typically build it WPF, which is XML, styled with XML.
On mac? plists - which is you guess it XML (I have no idea what, if anything, you style a mac app with).
So basically the three biggest platforms use XML to bind their guis with - and there isn't much difference between XML and HTML. Granted when you design XML for guis it tends to be nicer than if you wrangle HTML into that role but this is a programmer, not a user, issue.
Saying "HTML is nearly XML, therefore HTML is native" is akin to saying "Vietnamese is written using the Latin alphabet, hence it's basically the same as English".
You are confusing what HTML and XML are if you think they are similar. XML is a way to encode data, validate it conforms to a schema, query it, etc. HTML is more than the surface syntax. It includes an schema and semantics (the DOM, the CSS OM, the boxing model, etc). Using XML as a declarative layer on top of their UI, as android does, does not make it similar to writing HTML because of the completely different semantics associated with it.
Android takes all the xml layouts and compile them and expose them through the R(esource) class.
So it's native at least along those lines.