United Southern Bank in Florida vs the state
9.3%Denial rate-11.76 pts vs state
10.5%Decision denial rate-16.78 pts vs state
73.3%Origination rate+20.57 pts vs state
—Median rate
—Rate spread (pts)
$132kMedian applicant income
126Loans originated
16Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 194 | 155 | 5.2% | — | #389 |
| 2024 | 172 | 130 | 7.0% | — | #397 |
| 2025 | 172 | 126 | 9.3% | — | #395 |
What United Southern Bank lends in Florida
By loan purpose
By loan type
Where in Florida
Counties with the most United Southern Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lake County | 100 | 73 | 8 | 8.0% |
| Sumter County | 29 | 22 | 4 | 13.8% |
| Orange County | 14 | 11 | 0 | 0.0% |
| Marion County | 12 | 6 | 1 | 8.3% |
| Citrus County | 4 | 4 | 0 | 0.0% |
| Volusia County | 3 | 3 | 0 | 0.0% |
| Polk County | 3 | 3 | 0 | 0.0% |
| Seminole County | 2 | 1 | 1 | 50.0% |
| Leon County | 1 | 1 | 0 | 0.0% |
| Sarasota 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: 172 applications in 2025, of which 126 were originated and 16 denied.
9.3% of all applications, or 10.5% 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 United Southern 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