United Community Bank in Florida vs the state
7.1%Denial rate-13.92 pts vs state
7.1%Decision denial rate-20.10 pts vs state
92.9%Origination rate+40.17 pts vs state
6.75%Median rate+0.13 pts vs state
0.56Rate spread (pts)+0.29 pts vs state
$218kMedian applicant income
13Loans originated
1Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 9 | 0.0% | 6.50% | #959 |
| 2024 | 18 | 16 | 0.0% | 6.95% | #793 |
| 2025 | 14 | 13 | 7.1% | 6.75% | #836 |
What United Community Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most United Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collier County | 8 | 8 | 0 | 0.0% |
| Lee County | 3 | 2 | 1 | 33.3% |
| Volusia County | 2 | 2 | 0 | 0.0% |
| Sumter County | 1 | 1 | 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: 14 applications in 2025, of which 13 were originated and 1 denied.
7.1% 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 United Community Bank originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are United Community 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