Southstate Bank, National Association reported 197 applications for homes in Virginia in the HMDA data of 2025.
It originated 129 loans in the state in 2025, for $61.1 million in total.
The median interest rate of these loans in 2025 was 6.375%, and the median of all lenders in Virginia was 6.375%.
The median total loan costs in 2025 were $5,262, and the state median was $6,600.
It denied 21.8% of the applications that it decided in the state in 2025, and the state denial rate was 20.3%.
Filed figures of Southstate Bank, National Association in Virginia, 2025
Figure
In VA
Lender, all states
VA, all lenders
Applications
197
15,429
341,163
Loans originated
129
9,967
203,054
Median interest rate
6.375%
6.475%
6.375%
Median total loan costs
$5,262
$5,605
$6,600
Denial rate
21.8%
23.3%
20.3%
HMDA data are generally not used alone 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.
Pricing medians of Southstate Bank, National Association in Virginia, 2025Each value has the median of all lenders in Virginia under it.
Loans
Loans in the medians
Interest rate
Total loan costs
Origination charges
Discount points, of the loans with points
Lender credits, of the loans with credits
Rate spread, points
All loans in VA
48
6.375%VA 6.375%
$5,262VA $6,600
$1,495VA $2,188
n/aVA $3,060
n/aVA $649
0.022VA 0.063
Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.
The median rate spread was 0.022 percentage points above the average prime offer rate. On a loan of $300,000, that is about $66 more a year, or $6 more a month.
The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.
Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date
HMDA year . Page made .
Provenance
The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Virginia. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.
Questions
What share of the loans of Southstate Bank, National Association were in Virginia in 2025?
129 of its loans originated, out of 9,967 in all states. That is 1.3%.
In which counties of Virginia did Southstate Bank, National Association originate the most loans in 2025?
The three with the most loans were Chesterfield County (27), Henrico County (23) and Richmond city (20).
Which loan types did Southstate Bank, National Association originate in Virginia in 2025?
122 conventional, 5 FHA and 2 VA.
How did the applications of Southstate Bank, National Association in Virginia change from 2022 to 2025?
It reported 192 applications in 2022 and 197 in 2025.