Atlantic Union Bank in Florida vs the state
3.2%Denial rate-17.83 pts vs state
4.2%Decision denial rate-23.07 pts vs state
71.0%Origination rate+18.28 pts vs state
6.50%Median rate-0.13 pts vs state
-0.04Rate spread (pts)-0.31 pts vs state
$160kMedian applicant income
22Loans originated
1Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 8 | 0.0% | 6.69% | #967 |
| 2024 | 17 | 10 | 17.7% | 6.75% | #811 |
| 2025 | 31 | 22 | 3.2% | 6.50% | #689 |
What Atlantic Union Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Atlantic Union Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sarasota County | 5 | 3 | 0 | 0.0% |
| Brevard County | 3 | 2 | 0 | 0.0% |
| Pinellas County | 3 | 3 | 0 | 0.0% |
| Columbia County | 2 | 1 | 0 | 0.0% |
| Pasco County | 2 | 1 | 0 | 0.0% |
| Collier County | 2 | 2 | 0 | 0.0% |
| Lee County | 2 | 1 | 0 | 0.0% |
| Flagler County | 2 | 1 | 1 | 50.0% |
| Orange County | 2 | 2 | 0 | 0.0% |
| Marion County | 2 | 2 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 31 applications in 2025, of which 22 were originated and 1 denied.
3.2% of all applications, or 4.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Atlantic Union Bank originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Atlantic Union Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology