Union Home Mortgage in Florida vs the state
7.9%Denial rate-13.17 pts vs state
9.9%Decision denial rate-17.35 pts vs state
69.8%Origination rate+17.12 pts vs state
6.50%Median rate-0.13 pts vs state
0.33Rate spread (pts)+0.07 pts vs state
$108kMedian applicant income
2,495Loans originated
282Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,660 | 1,890 | 6.4% | 6.88% | #69 |
| 2024 | 3,220 | 2,357 | 7.7% | 6.88% | #60 |
| 2025 | 3,574 | 2,495 | 7.9% | 6.50% | #59 |
What Union Home Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 438 | 316 | 24 | 5.5% |
| Hillsborough County | 279 | 204 | 19 | 6.8% |
| Sumter County | 192 | 161 | 7 | 3.6% |
| Lee County | 158 | 106 | 21 | 13.3% |
| Polk County | 157 | 108 | 13 | 8.3% |
| Pinellas County | 153 | 110 | 8 | 5.2% |
| St. Johns County | 148 | 102 | 15 | 10.1% |
| Orange County | 142 | 88 | 9 | 6.3% |
| Pasco County | 141 | 92 | 10 | 7.1% |
| Duval County | 117 | 73 | 15 | 12.8% |
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: 3,574 applications in 2025, of which 2,495 were originated and 282 denied.
7.9% of all applications, or 9.9% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Union Home Mortgage originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Union Home Mortgage'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