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Union Home Mortgage Corp. in Florida

HMDA record for properties in Florida, calendar year 2024. National record · Florida overview

LEI 549300RPOGWJRH63HS39
Reporting agency Department of Housing and Urban Development
State Florida

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

In Florida, Union Home Mortgage Corp. reported 3,220 applications and 2,357 originations for 2024, $715m in all.

Its denial rate in the state was 9.3%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 6.5%.

The median rate spread on its Florida originations was 0.5 percentage points (state median 0.3).

Applications in the state were up 21% on 2023.

3,220applications in FL, 20248.8% of the lender's total
2,357loans originated$715m
9.3%denial rateFL all lenders 29.0%
0.5 ppmedian rate spreadFL 0.3 pp

Compared with the state and the lender's national record

MeasureIn FloridaFlorida, all lendersUnion Home Mortgage Corp., all statesUnited States
Denial rate9.3%29.0%6.5%24.3%
Median rate spread, pp0.50.30.60.3
Originations with spread of 1.5 pp or more8.3%16.4%8.7%15.6%
Average originated loan$303k$359k$280k$329k
Home purchase share87.2%62.9%83.3%57.0%
FHA-insured share22.4%17.7%19.3%13.4%
VA-guaranteed share12.3%9.5%8.0%7.9%

Trend by year

ApplicationsOriginations

01,6103,2202022: 2,172 Applications2023: 2,660 Applications2024: 3,220 Applications2022: 1,503 Originations2023: 1,890 Originations2024: 2,357 Originations202220232024
Union Home Mortgage Corp. in Florida: applications and originations, 2022–2024

This lender in stateFlorida, all lenders

0%15.1%30.2%2022: 7.2% This lender in state2023: 8.2% This lender in state2024: 9.3% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Florida

By purpose

Home purchase 87% (2,055)Home improvement 1% (35)Refinancing 4% (83)Cash-out refinancing 5% (128)Other purpose 2% (56)

By type

Conventional 65% (1,523)FHA 22% (528)VA 12% (291)USDA 1% (15)

Denial reasons as coded

Debt-to-income ratio44.9%
Collateral14.2%
Credit application incomplete14.2%
Credit history7.7%
Other7.3%
Insufficient cash (downpayment, closing costs)5.3%
Employment history3.2%
Unverifiable information3.2%
Mortgage insurance denied0%

Share of 247 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).

Counties in Florida

CountyApplicationsOriginationsAmountDenial rate
Marion County483352$96m7.4%
Hillsborough County249181$57m9.3%
Pinellas County159111$35m10.7%
Lee County144104$39m11.5%
St. Johns County12899$35m6.5%
Pasco County12894$26m6.9%
Sumter County11091$28m7.1%
Polk County11790$21m12.4%
Manatee County10679$28m12.1%
Orange County10774$25m10.5%
Lake County8770$19m4.1%
Indian River County7867$22m4.1%
Duval County9864$19m14.5%
Hernando County7256$17m3.4%
Sarasota County9254$19m17.6%
Brevard County7454$16m5.1%
Nassau County5345$17m2.1%
Charlotte County6644$12m14.8%
Wakulla County6543$7.2m10.0%
Seminole County6443$13m13.5%
Citrus County5741$9.5m6.8%
Palm Beach County5839$19m16.7%
Volusia County5237$11m17.4%
Clay County4836$9.2m12.2%
Flagler County4236$12m5.3%
Collier County4334$15m8.1%
Alachua County3528$7.5m9.7%
Broward County3725$8.4m8.8%
Osceola County3125$6.6m7.4%
St. Lucie County3222$6.8m8.0%
Putnam County2822$5.6m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Union Home Mortgage Corp. originate in Florida in 2024?

2,357 loans totalling $715m, from 3,220 applications reported for properties in Florida.

What is Union Home Mortgage Corp.'s denial rate in Florida?

9.3% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 6.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Florida counties does Union Home Mortgage Corp. lend in most?

By originations: Marion County (352), Hillsborough County (181), Pinellas County (111), Lee County (104), St. Johns County (99).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.