United Trust Bank in Florida vs the state
26.4%Denial rate+5.38 pts vs state
27.4%Decision denial rate+0.14 pts vs state
70.1%Origination rate+17.42 pts vs state
6.50%Median rate-0.13 pts vs state
0.44Rate spread (pts)+0.17 pts vs state
$86kMedian applicant income
61Loans originated
23Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 24 | 17 | 29.2% | 6.50% | #733 |
| 2025 | 87 | 61 | 26.4% | 6.50% | #508 |
What United Trust Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most United Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brevard County | 9 | 3 | 4 | 44.4% |
| Marion County | 5 | 3 | 2 | 40.0% |
| Clay County | 5 | 5 | 0 | 0.0% |
| Santa Rosa County | 5 | 4 | 1 | 20.0% |
| Escambia County | 5 | 2 | 3 | 60.0% |
| Volusia County | 5 | 4 | 1 | 20.0% |
| Hillsborough County | 5 | 2 | 3 | 60.0% |
| Lake County | 4 | 4 | 0 | 0.0% |
| Bay County | 3 | 3 | 0 | 0.0% |
| Hernando County | 3 | 2 | 1 | 33.3% |
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: 87 applications in 2025, of which 61 were originated and 23 denied.
26.4% of all applications, or 27.4% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans United Trust Bank originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are United Trust 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