University Bank in Florida vs the state
3.1%Denial rate-17.96 pts vs state
3.6%Decision denial rate-23.61 pts vs state
82.0%Origination rate+29.29 pts vs state
6.38%Median rate-0.25 pts vs state
0.09Rate spread (pts)-0.18 pts vs state
$104kMedian applicant income
1,083Loans originated
41Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,204 | 969 | 1.5% | 6.50% | #127 |
| 2024 | 1,126 | 901 | 4.3% | 6.50% | #136 |
| 2025 | 1,321 | 1,083 | 3.1% | 6.38% | #125 |
What University Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most University Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Santa Rosa County | 335 | 284 | 8 | 2.4% |
| Leon County | 286 | 226 | 7 | 2.4% |
| Okaloosa County | 192 | 154 | 7 | 3.6% |
| Escambia County | 160 | 139 | 1 | 0.6% |
| Wakulla County | 120 | 100 | 3 | 2.5% |
| Gadsden County | 37 | 28 | 2 | 5.4% |
| Walton County | 27 | 21 | 1 | 3.7% |
| Hillsborough County | 11 | 8 | 2 | 18.2% |
| Broward County | 10 | 6 | 2 | 20.0% |
| Palm Beach County | 9 | 5 | 2 | 22.2% |
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: 1,321 applications in 2025, of which 1,083 were originated and 41 denied.
3.1% of all applications, or 3.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans University Bank originated in Florida in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are University 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