First United Bank and Trust in Florida vs the state
4.8%Denial rate-16.30 pts vs state
7.7%Decision denial rate-19.55 pts vs state
57.1%Origination rate+4.45 pts vs state
6.80%Median rate+0.17 pts vs state
0.12Rate spread (pts)-0.15 pts vs state
$189kMedian applicant income
12Loans originated
1Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 15 | 4.8% | 6.88% | #828 |
| 2024 | 32 | 13 | 9.4% | 6.63% | #690 |
| 2025 | 21 | 12 | 4.8% | 6.80% | #753 |
What First United Bank and Trust lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most First United Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 4 | 2 | 0 | 0.0% |
| Okaloosa County | 3 | 1 | 0 | 0.0% |
| Lake County | 2 | 2 | 0 | 0.0% |
| St. Johns County | 2 | 1 | 0 | 0.0% |
| Hillsborough County | 2 | 1 | 0 | 0.0% |
| Escambia County | 1 | 1 | 0 | 0.0% |
| Palm Beach County | 1 | 0 | 0 | 0.0% |
| Hernando County | 1 | 1 | 0 | 0.0% |
| Collier County | 1 | 1 | 0 | 0.0% |
| Miami-Dade County | 1 | 0 | 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: 21 applications in 2025, of which 12 were originated and 1 denied.
4.8% of all applications, or 7.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans First United Bank and Trust originated in Florida in 2025 was 6.80%, against a statewide median of 6.63%.
About this data. Figures are First United Bank and Trust'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