Union Savings Bank in Florida vs the state
6.0%Denial rate-15.04 pts vs state
7.1%Decision denial rate-20.15 pts vs state
76.5%Origination rate+23.82 pts vs state
7.00%Median rate+0.38 pts vs state
0.55Rate spread (pts)+0.28 pts vs state
$238kMedian applicant income
127Loans originated
10Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 195 | 143 | 9.2% | 6.50% | #387 |
| 2024 | 151 | 105 | 5.3% | 7.25% | #421 |
| 2025 | 166 | 127 | 6.0% | 7.00% | #404 |
What Union Savings Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Union Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 23 | 19 | 0 | 0.0% |
| Pinellas County | 15 | 8 | 2 | 13.3% |
| Palm Beach County | 14 | 12 | 2 | 14.3% |
| Hillsborough County | 13 | 10 | 1 | 7.7% |
| Sarasota County | 13 | 9 | 0 | 0.0% |
| Sumter County | 12 | 11 | 0 | 0.0% |
| Collier County | 9 | 8 | 0 | 0.0% |
| Orange County | 7 | 5 | 0 | 0.0% |
| Charlotte County | 6 | 4 | 0 | 0.0% |
| Santa Rosa County | 5 | 4 | 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: 166 applications in 2025, of which 127 were originated and 10 denied.
6.0% of all applications, or 7.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Union Savings Bank originated in Florida in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Union Savings 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