Southstate Bank, National Association Mortgage Lending & HMDA Data, 2025

In 2025, Southstate Bank, National Association of Winter Haven, FL reported 15,446 mortgage applications totaling $5.5 billion, down 2% from 2024. The average application was for $353,726, and applicants reported an average income of $196,030. 65% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (1,207), Charleston-North Charleston, SC (995) and Augusta-Richmond County, GA-SC (880) (applications in parentheses).

Mortgage Company & Address Southstate Bank, National Association
1101 1st Street South
Winter Haven, FL 33880
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  
Total Number of Mortgage Applications 15,446
Total Mortgage Loan Application Amount $5,463,660,000
Average Mortgage Loan Application Amount $353,726
Highest Mortgage Loan Application Amount $59,505,000
Average Applicant Income $196,030
Highest Applicant Income $7,259,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Southstate Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Southstate Bank, National Association by Metropolitan Area in 2025

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Outside any metro area 1,738 $ 545,830,000 $ 314,056 $ 158,035
Charlotte-Concord-Gastonia, NC-SC 1,207 $ 433,035,000 $ 358,769 $ 227,549
Charleston-North Charleston, SC 995 $ 337,605,000 $ 339,301 $ 209,000
Augusta-Richmond County, GA-SC 880 $ 224,270,000 $ 254,852 $ 148,994
Atlanta-Sandy Springs-Roswell, GA 840 $ 477,570,000 $ 568,535 $ 248,000
Greenville-Anderson-Mauldin, SC 785 $ 228,805,000 $ 291,471 $ 190,000
Orlando-Kissimmee-Sanford, FL 745 $ 253,935,000 $ 340,852 $ 179,000
Birmingham-Hoover, AL 659 $ 108,785,000 $ 165,075 $ 97,000
Lakeland-Winter Haven, FL 534 $ 97,170,000 $ 181,966 $ 115,000
Hilton Head Island-Bluffton-Beaufort, SC 469 $ 199,965,000 $ 426,364 $ 238,000
North Port-Sarasota-Bradenton, FL 391 $ 137,875,000 $ 352,621 $ 223,000
Columbia, SC 386 $ 85,910,000 $ 222,564 $ 156,000
Tampa, FL 349 $ 140,825,000 $ 403,510 $ 200,000
Dallas-Plano-Irving, TX 337 $ 211,755,000 $ 628,353 $ 199,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 322 $ 54,110,000 $ 168,043 $ 125,000
Savannah, GA 262 $ 134,180,000 $ 512,137 $ 365,000
Marietta, GA 229 $ 80,575,000 $ 351,855 $ 273,000
Port St. Lucie, FL 227 $ 76,405,000 $ 336,585 $ 223,000
Huntsville, AL 213 $ 101,685,000 $ 477,394 $ 208,000
Jacksonville, FL 206 $ 72,890,000 $ 353,834 $ 219,000
Deltona-Daytona Beach-Ormond Beach, FL 202 $ 41,160,000 $ 203,762 $ 155,000
Daphne-Fairhope-Foley, AL 193 $ 92,005,000 $ 476,709 $ 288,000
Ocala, FL 186 $ 36,860,000 $ 198,172 $ 145,000
Spartanburg, SC 174 $ 53,640,000 $ 308,275 $ 140,000
Richmond, VA 145 $ 61,935,000 $ 427,137 $ 211,000
Auburn-Opelika, AL 142 $ 24,480,000 $ 172,394 $ 192,000
Wilmington, NC 141 $ 50,845,000 $ 360,602 $ 236,000
St. Petersburg-Clearwater-Largo, FL 133 $ 55,755,000 $ 419,210 $ 305,000
Sebastian-Vero Beach, FL 132 $ 51,570,000 $ 390,681 $ 280,000
Miami-Miami Beach-Kendall, FL 121 $ 45,125,000 $ 372,933 $ 240,000
Denver-Aurora-Lakewood, CO 113 $ 64,985,000 $ 575,088 $ 209,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 112 $ 53,010,000 $ 473,303 $ 249,000
Houston-The Woodlands-Sugar Land, TX 110 $ 79,540,000 $ 723,090 $ 269,000
Florence, SC 106 $ 10,910,000 $ 102,924 $ 93,000
Pensacola-Ferry Pass-Brent, FL 101 $ 36,075,000 $ 357,178 $ 220,000
Crestview-Fort Walton Beach-Destin, FL 100 $ 66,910,000 $ 669,100 $ 403,000
Raleigh, NC 98 $ 41,320,000 $ 421,632 $ 269,000
West Palm Beach-Boca Raton-Delray Beach, FL 95 $ 43,795,000 $ 461,000 $ 245,000
Austin-Round Rock, TX 82 $ 71,480,000 $ 871,707 $ 331,000
Fort Collins, CO 82 $ 16,260,000 $ 198,292 $ 122,000
Gainesville, FL 82 $ 26,400,000 $ 321,951 $ 172,000
Sebring, FL 80 $ 11,470,000 $ 143,375 $ 94,000
Palm Bay-Melbourne-Titusville, FL 61 $ 21,965,000 $ 360,081 $ 217,000
Gainesville, GA 50 $ 14,170,000 $ 283,400 $ 175,000
Sherman-Denison, TX 49 $ 13,245,000 $ 270,306 $ 143,000
Athens-Clarke County, GA 44 $ 11,190,000 $ 254,318 $ 196,000
Cape Coral-Fort Myers, FL 44 $ 13,570,000 $ 308,409 $ 206,000
Greeley, CO 43 $ 46,185,000 $ 1,074,069 $ 113,000
Fort Worth-Arlington, TX 39 $ 14,025,000 $ 359,615 $ 194,000
Wildwood-The Villages, FL 37 $ 7,075,000 $ 191,216 $ 142,000
Punta Gorda, FL 36 $ 7,620,000 $ 211,666 $ 191,000
Durham-Chapel Hill, NC 32 $ 14,430,000 $ 450,937 $ 303,000
Colorado Springs, CO 28 $ 17,260,000 $ 616,428 $ 135,000
Boulder, CO 25 $ 7,505,000 $ 300,200 $ 179,000
Homosassa Springs, FL 25 $ 3,135,000 $ 125,400 $ 70,000
Virginia Beach-Norfolk-Newport News, VA-NC 24 $ 22,350,000 $ 931,250 $ 418,125
Asheville, NC 22 $ 12,470,000 $ 566,818 $ 322,000
Columbus, GA-AL 22 $ 4,120,000 $ 187,272 $ 154,000
Hickory-Lenoir-Morganton, NC 21 $ 8,895,000 $ 423,571 $ 254,000
Tallahassee, FL 21 $ 7,985,000 $ 380,238 $ 125,000
Montgomery, AL 19 $ 6,085,000 $ 320,263 $ 217,000
Decatur, AL 17 $ 4,985,000 $ 293,235 $ 148,000
Waco, TX 17 $ 9,485,000 $ 557,941 $ 319,000
Sumter, SC 15 $ 1,365,000 $ 91,000 $ 55,000
Macon-Bibb County, GA 13 $ 4,115,000 $ 316,538 $ 261,000
Naples-Immokalee-Marco Island, FL 13 $ 7,305,000 $ 561,923 $ 279,000
Arlington-Alexandria-Reston, VA-WV 12 $ 3,610,000 $ 300,833 $ 214,000
Nashville-Davidson--Murfreesboro--Franklin, TN 12 $ 52,670,000 $ 4,389,166 $ 192,000
Panama City, FL 12 $ 3,110,000 $ 259,166 $ 130,000
Winston-Salem, NC 12 $ 2,090,000 $ 174,166 $ 150,000
Knoxville, TN 10 $ 11,250,000 $ 1,125,000 $ 559,000
Brunswick, GA 9 $ 7,875,000 $ 875,000 $ 254,000
Hinesville, GA 8 $ 1,400,000 $ 175,000 $ 114,000
College Station-Bryan, TX 7 $ 1,315,000 $ 187,857 $ 62,000
Mobile, AL 7 $ 1,015,000 $ 145,000 $ 58,000
Fayetteville, NC 5 $ 645,000 $ 129,000 $ 63,000
Greensboro-High Point, NC 5 $ 1,765,000 $ 353,000 $ 286,000
Jacksonville, NC 5 $ 1,015,000 $ 203,000 $ 120,000
Kansas City, MO-KS 5 $ 975,000 $ 195,000 $ 63,000
San Antonio-New Braunfels, TX 5 $ 1,235,000 $ 247,000 $ 102,000
Tuscaloosa, AL 5 $ 1,125,000 $ 225,000 $ 96,000
Washington, DC-MD 5 $ 2,195,000 $ 439,000 $ 144,800
Chattanooga, TN-GA 4 $ 1,300,000 $ 325,000 $ 98,500
Dalton, GA 4 $ 1,040,000 $ 260,000 $ 185,000
Memphis, TN-MS-AR 4 $ 870,000 $ 217,500 $ 358,000
Pinehurst-Southern Pines, NC 4 $ 3,050,000 $ 762,500 $ 1,208,000
Amarillo, TX 3 $ 8,445,000 $ 2,815,000 $ 99,000
Anniston-Oxford-Jacksonville, AL 3 $ 365,000 $ 121,666 $ 69,000
Burlington, NC 3 $ 565,000 $ 188,333 $ 50,000
Corpus Christi, TX 3 $ 2,145,000 $ 715,000 $ 524,000
Killeen-Temple, TX 3 $ 695,000 $ 231,666 $ 144,000
Phoenix-Mesa-Scottsdale, AZ 3 $ 3,275,000 $ 1,091,666 $ 1,853,000
Albany, GA 2 $ 420,000 $ 210,000 $ 231,000
Chicago-Naperville, IL 2 $ 950,000 $ 475,000 $ 390,000
Goldsboro, NC 2 $ 160,000 $ 80,000 $ 69,000
Greenville, NC 2 $ 290,000 $ 145,000 $ 45,000
Gulfport-Biloxi-Pascagoula, MS 2 $ 630,000 $ 315,000 $ 589,000
New York-Jersey City-White Plains, NY-NJ 2 $ 1,410,000 $ 705,000 $ 143,000
Pittsburgh, PA 2 $ 410,000 $ 205,000 $ 79,000
Rocky Mount, NC 2 $ 270,000 $ 135,000 $ 81,000
Rome, GA 2 $ 1,190,000 $ 595,000 $ 449,000
Toledo, OH 2 $ 490,000 $ 245,000 $ 210,000
Valdosta, GA 2 $ 2,230,000 $ 1,115,000 $ 929,000
Warren-Troy-Farmington Hills, MI 2 $ 390,000 $ 195,000 $ 118,000
Anaheim-Santa Ana-Irvine, CA 1 $ 835,000 $ 835,000 $ 273,000
Ann Arbor, MI 1 $ 805,000 $ 805,000 $ 279,000
Atlantic City-Hammonton, NJ 1 $ 705,000 $ 705,000 $ 281,000
Baton Rouge, LA 1 $ 195,000 $ 195,000 $ 41,000
Bend-Redmond, OR 1 $ 1,975,000 $ 1,975,000 $ 0
Bowling Green, KY 1 $ 125,000 $ 125,000 $ 58,000
Buffalo-Cheektowaga-Niagara Falls, NY 1 $ 255,000 $ 255,000 $ 371,000
Charleston, WV 1 $ 55,000 $ 55,000 $ 145,000
Cincinnati, OH-KY-IN 1 $ 335,000 $ 335,000 $ 291,000
Columbus, OH 1 $ 105,000 $ 105,000 $ 59,000
Des Moines-West Des Moines, IA 1 $ 1,935,000 $ 1,935,000 $ 0
Dothan, AL 1 $ 165,000 $ 165,000 $ 38,000
Fargo, ND-MN 1 $ 2,615,000 $ 2,615,000 $ 0
Florence-Muscle Shoals, AL 1 $ 365,000 $ 365,000 $ 135,000
Grand Rapids-Wyoming, MI 1 $ 475,000 $ 475,000 $ 94,000
Hattiesburg, MS 1 $ 65,000 $ 65,000 $ 42,000
Indianapolis-Carmel-Anderson, IN 1 $ 405,000 $ 405,000 $ 0
Johnson City, TN 1 $ 285,000 $ 285,000 $ 187,000
Jonesboro, AR 1 $ 385,000 $ 385,000 $ 288,000
Kalamazoo-Portage, MI 1 $ 415,000 $ 415,000 $ 125,000
Lancaster, PA 1 $ 265,000 $ 265,000 $ 293,000
Longview, TX 1 $ 185,000 $ 185,000 $ 131,000
Lubbock, TX 1 $ 135,000 $ 135,000 $ 393,000
McAllen-Edinburg-Mission, TX 1 $ 365,000 $ 365,000 $ 221,000
Montgomery County-Bucks County-Chester County, PA 1 $ 475,000 $ 475,000 $ 0
Morristown, TN 1 $ 565,000 $ 565,000 $ 0
New Orleans-Metairie, LA 1 $ 465,000 $ 465,000 $ 127,000
Oklahoma City, OK 1 $ 115,000 $ 115,000 $ 353,000
Philadelphia, PA 1 $ 155,000 $ 155,000 $ 96,000
Prescott Valley-Prescott, AZ 1 $ 255,000 $ 255,000 $ 316,000
Provo-Orem, UT 1 $ 505,000 $ 505,000 $ 400,000
Reno, NV 1 $ 795,000 $ 795,000 $ 796,000
Roanoke, VA 1 $ 215,000 $ 215,000 $ 73,000
Salt Lake City, UT 1 $ 95,000 $ 95,000 $ 130,000
San Diego-Carlsbad, CA 1 $ 885,000 $ 885,000 $ 515,000
Seattle-Bellevue-Everett, WA 1 $ 325,000 $ 325,000 $ 331,000
Shreveport-Bossier City, LA 1 $ 295,000 $ 295,000 $ 229,000
Traverse City, MI 1 $ 305,000 $ 305,000 $ 450,000
Tulsa, OK 1 $ 475,000 $ 475,000 $ 523,000
Victoria, TX 1 $ 125,000 $ 125,000 $ 88,000
Washington-Baltimore-Arlington, DC 1 $ 525,000 $ 525,000 $ 154,000
Wichita Falls, TX 1 $ 55,000 $ 55,000 $ 72,000
Youngstown-Warren-Boardman, OH-PA 1 $ 455,000 $ 455,000 $ 0

Mortgage Loan Application Detail Totals for Southstate Bank, National Association in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 8,113 $3,685,805,000 $454,000 $59,505,000 $187,000 $7,146,000
Home Improvement 3,620 $649,590,000 $179,000 $3,505,000 $197,000 $7,259,000
Refinancing 1,742 $678,210,000 $389,000 $10,505,000 $247,000 $4,705,000
Other Purpose 1,559 $279,455,000 $179,000 $4,005,000 $187,000 $3,324,000
Cash-out Refinancing 412 $170,600,000 $414,000 $2,455,000 $184,000 $2,598,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 10,015 $3,283,005,000 $327,000 $6,505,000 $215,000 $7,259,000
Black or African American 1,866 $335,330,000 $179,000 $2,255,000 $92,000 $1,773,000
Not Provided 1,537 $536,645,000 $349,000 $5,005,000 $235,000 $4,730,000
Hispanic 1,258 $326,920,000 $259,000 $3,005,000 $135,000 $2,669,000
Asian 358 $161,480,000 $451,000 $2,755,000 $251,000 $2,010,000
Not applicable 340 $802,800,000 $2,361,000 $59,505,000 $0 $0
American Indian or Alaskan Native 57 $15,855,000 $278,000 $1,575,000 $176,000 $989,000
Native Hawaiian or Other Pacific Islander 12 $1,430,000 $119,000 $325,000 $83,000 $168,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 14,428 $5,135,440,000 $355,000 $59,505,000 $202,000 $7,259,000
FHA-insured (Federal Housing Administration) 709 $203,225,000 $286,000 $625,000 $98,000 $1,487,000
VA-guaranteed (Veterans Administration) 274 $115,990,000 $423,000 $1,645,000 $144,000 $660,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 35 $9,005,000 $257,000 $455,000 $82,000 $111,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 9,967 $3,918,535,000 $393,000 $59,505,000 $215,000 $6,000,000
Application Denied By Financial Institution 3,118 $648,640,000 $208,000 $15,005,000 $126,000 $3,324,000
Application Withdrawn By Applicant 1,949 $752,715,000 $386,000 $15,925,000 $210,000 $7,259,000
Application Approved But Not Accepted 274 $67,590,000 $246,000 $4,005,000 $176,000 $2,915,000
File Closed For Incompleteness 121 $71,045,000 $587,000 $3,505,000 $246,000 $1,194,000
Loan Purchased By The Institution 17 $5,135,000 $302,000 $595,000 $49,000 $60,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 12,328 $4,815,020,000 $390,000 $59,505,000 $214,000 $7,259,000
Debt-To-Income Ratio 1,689 $357,725,000 $211,000 $15,005,000 $93,000 $1,150,000
Credit History 556 $82,210,000 $147,000 $4,875,000 $144,000 $3,324,000
Collateral 314 $72,480,000 $230,000 $3,005,000 $207,000 $2,400,000
Credit Application Incomplete 266 $52,440,000 $197,000 $3,005,000 $177,000 $1,224,000
Other 97 $24,255,000 $250,000 $2,245,000 $155,000 $1,440,000
Unverifiable Information 96 $37,730,000 $393,000 $2,315,000 $200,000 $2,700,000
Employment History 64 $9,790,000 $152,000 $1,005,000 $65,000 $484,000
Insufficient Cash (Downpayment, Closing Cost) 36 $12,010,000 $333,000 $3,005,000 $129,000 $888,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Southstate Bank, National Association's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Southstate Bank, National Association's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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