Lender in Florida · HMDA 2025
University Bank mortgages in Florida
University Bank's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
University Bank originated 964 owner-occupied single-family loans in Florida from 985 completed applications.
Its median conventional purchase loan costs were $6,120 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.625% (Florida: 6.625%).
Loans in FL
964
of 985 applications
Denial rate
1.5%
Purchase · FL 12.8%
Rate spread
+0.14 pts
Conv. · FL +0.14 pts
Loan amount
$305,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 917 | 901 | 1.5% | 6.625% | +0.14 pts | $6,120 | $305,000 |
| Refinance | 55 | 52 | 3.6% | — | — | — | $395,000 |
| Cash-out refinance | 13 | 11 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Florida counties where University Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wakulla County | 2 | 85 | 12.3% |
| Gadsden County | 2 | 25 | 9.0% |
| Leon County | 3 | 198 | 7.2% |
| Santa Rosa County | 4 | 257 | 5.9% |
| Franklin County | 5 | 5 | 4.9% |
| Jefferson County | 5 | 5 | 4.3% |
| Liberty County | 5 | 2 | 5.7% |
| Taylor County | 6 | 4 | 3.6% |
| Okaloosa County | 7 | 142 | 3.7% |
| Escambia County | 8 | 130 | 2.8% |
| Madison County | 9 | 2 | 2.3% |
| Gulf County | 15 | 2 | 1.1% |
| Walton County | 17 | 19 | 1.1% |
| Calhoun County | 22 | 1 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology