Applications / Mortgage Analytics / Lenders / Florida / United Southern Bank
Umatilla, FL · State non-member bank · FDIC · $842 million assets · 126 loans in 2025
United Southern Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
126
loans originated, 2025
172
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Southern Bank, of Umatilla, Florida, is a steady Florida lender whose loans go far more often than its peers' to manufactured homes and poorer neighborhoods.
Manufactured homes took 17.5% of its loans in 2025, against 3.1% at similar lenders (state non-member banks making between half and twice as many loans). That is more than nearly nine in ten of them. Purchases made up 78.6% of its lending, and every loan was conventional.
It made 35.5% of its loans in low- and moderate-income (LMI) neighborhoods, double the 17.5% of the typical peer and more than nearly nine in ten similar banks. The share has risen from 29.0% five years before.
It has made between 126 and 162 loans a year since 2018. In 2025 its loans fell 3% to 126, while the typical peer grew 9% and the whole market 10%. Its market shares held level or rose, so the dip may be no more than ordinary year-to-year movement for a bank of its size.
All its lending is in Florida, across 9 metros. It does best in Wildwood-The Villages, where it ranks 35 of 451 lenders with 0.4% of the market; Citizens First Bank leads there with $557.7M. In Tallahassee its share rose from 0.0% to 0.2%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. United Southern Bank took 172 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 78.6% · Refinance 11.9% · Home improvement 7.9% · Other 1.6%
Conventional 100.0% · of 126 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 126 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Orlando-Kissimmee-Sanford | 85 |
| Wildwood-The Villages | 22 |
| Ocala | 6 |
| Homosassa Springs | 4 |
| Deltona-Daytona Beach-Ormond Beach | 3 |
| Lakeland-Winter Haven | 3 |
| Cape Coral-Fort Myers | 1 |
| North Port-Bradenton-Sarasota | 1 |
| Tallahassee | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CN9XK83EUACJ34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 327435 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315465 | 1994–2017 |
Established 1 March 1937. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: United Southern Bank's data.
United Southern Bank's data
$215
United Southern Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy United Southern Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]