Lenders › SouthState Bank, N.A. › Florida
SouthState Bank, N.A. in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
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, SouthState Bank, N.A. reported 4,874 applications and 2,893 originations for 2024, $787m in all.
Its denial rate in the state was 27.8%, close to the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 25.4%.
The median rate spread on its Florida originations was 0.6 percentage points (state median 0.3).
Applications in the state were down 17% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | SouthState Bank, N.A., all states | United States |
|---|---|---|---|---|
| Denial rate | 27.8% | 29.0% | 25.4% | 24.3% |
| Median rate spread, pp | 0.6 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 8.5% | 16.4% | 4.5% | 15.6% |
| Average originated loan | $272k | $359k | $295k | $329k |
| Home purchase share | 68.1% | 62.9% | 61.8% | 57.0% |
| FHA-insured share | 5.9% | 17.7% | 5.6% | 13.4% |
| VA-guaranteed share | 1.3% | 9.5% | 2.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 68% (1,970)Home improvement 17% (497)Refinancing 6% (182)Cash-out refinancing 1% (35)Other purpose 7% (209)
By type
Conventional 93% (2,680)FHA 6% (170)VA 1% (39)USDA 0% (4)
Denial reasons as coded
Share of 1,143 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Polk County | 581 | 358 | $64m | 27.1% |
| Orange County | 353 | 200 | $67m | 27.0% |
| Osceola County | 258 | 134 | $31m | 37.6% |
| Volusia County | 204 | 131 | $26m | 26.7% |
| Lake County | 192 | 126 | $24m | 21.7% |
| Indian River County | 184 | 126 | $50m | 15.5% |
| Marion County | 205 | 114 | $18m | 32.6% |
| Manatee County | 174 | 113 | $31m | 23.0% |
| St. Lucie County | 175 | 110 | $56m | 27.0% |
| Pasco County | 171 | 104 | $21m | 26.9% |
| Hillsborough County | 192 | 99 | $28m | 36.5% |
| Sarasota County | 161 | 99 | $32m | 24.4% |
| Pinellas County | 152 | 88 | $26m | 31.8% |
| Duval County | 160 | 87 | $21m | 28.7% |
| St. Johns County | 127 | 84 | $26m | 23.4% |
| Seminole County | 145 | 82 | $30m | 26.3% |
| Highlands County | 112 | 66 | $8.3m | 28.3% |
| Broward County | 145 | 64 | $23m | 41.5% |
| Miami-Dade County | 116 | 64 | $26m | 35.6% |
| Palm Beach County | 113 | 61 | $20m | 38.6% |
| Alachua County | 99 | 58 | $19m | 18.1% |
| Putnam County | 92 | 52 | $8.9m | 30.8% |
| Brevard County | 89 | 50 | $14m | 26.5% |
| Escambia County | 58 | 40 | $7.8m | 24.1% |
| Martin County | 64 | 34 | $11m | 33.3% |
| Lee County | 57 | 33 | $9.6m | 32.7% |
| Flagler County | 43 | 32 | $7.7m | 12.5% |
| Okeechobee County | 42 | 31 | $6.3m | 16.2% |
| Monroe County | 43 | 29 | $18m | 14.7% |
| Hernando County | 34 | 27 | $7.5m | 3.6% |
| Sumter County | 32 | 25 | $4.9m | 10.7% |
| Charlotte County | 35 | 19 | $3.2m | 29.6% |
| Citrus County | 31 | 18 | $3.6m | — |
| Santa Rosa County | 28 | 16 | $2.5m | 38.5% |
| DeSoto County | 26 | 11 | $1.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did SouthState Bank, N.A. originate in Florida in 2024?
2,893 loans totalling $787m, from 4,874 applications reported for properties in Florida.
What is SouthState Bank, N.A.'s denial rate in Florida?
27.8% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 25.4% 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 SouthState Bank, N.A. lend in most?
By originations: Polk County (358), Orange County (200), Osceola County (134), Volusia County (131), Lake County (126).
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.