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I am approaching the two month anniversary of being under review at U of F, and I was wondering, if :
a) this may be like an informal hold
b) they are waiting to reject me (but then would it say "reviewed, decision pending"?)
or
c) if I should call or continue to "patiently" wait?

Thanks

(My numbers are just about at the 25% for both LSAT and GPA, one higher, one lower, and URM status, in case anyone was curious or wants to rip on me, etc.)

With true URM, I think it likely for you to be admitted. If you simply cannot wait any longer and must do something, then call. I doubt that they will hold it against you. You are likely on the right side of borderline, hence a delayed admit. There are people who have been admitted this cycle after waiting three months.