The Union Bank in Florida vs the state
17.7%Denial rate-3.41 pts vs state
23.1%Decision denial rate-4.16 pts vs state
58.8%Origination rate+6.13 pts vs state
—Median rate
—Rate spread (pts)
$128kMedian applicant income
10Loans originated
3Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 21 | 8 | 33.3% | 6.81% | #824 |
| 2024 | 16 | 8 | 18.8% | 6.25% | #826 |
| 2025 | 17 | 10 | 17.7% | — | #797 |
What The Union Bank lends in Florida
By loan purpose
By loan type
Where in Florida
Counties with the most The Union Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sarasota County | 2 | 1 | 1 | 50.0% |
| Pinellas County | 2 | 1 | 0 | 0.0% |
| Volusia County | 2 | 2 | 0 | 0.0% |
| St. Johns County | 2 | 2 | 0 | 0.0% |
| Hillsborough County | 2 | 1 | 0 | 0.0% |
| Miami-Dade County | 1 | 0 | 0 | 0.0% |
| Polk County | 1 | 0 | 1 | 100.0% |
| Palm Beach County | 1 | 1 | 0 | 0.0% |
| Marion County | 1 | 1 | 0 | 0.0% |
| Hernando County | 1 | 0 | 1 | 100.0% |
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: 17 applications in 2025, of which 10 were originated and 3 denied.
17.7% of all applications, or 23.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The 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