Southstate Bank, National Association Mortgage Lending & HMDA Data, 2021
In 2021, Southstate Bank, National Association of Winter Haven, FL reported 28,087 mortgage applications totaling $8.6 billion, up 3% from 2020. The average application was for $306,311, and applicants reported an average income of $163,189. 71% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (2,817), Charleston-North Charleston, SC (2,026) and Charlotte-Concord-Gastonia, NC-SC (1,933) (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 | 28,087 |
| Total Mortgage Loan Application Amount | $8,603,375,000 |
| Average Mortgage Loan Application Amount | $306,311 |
| Highest Mortgage Loan Application Amount | $53,615,000 |
| Average Applicant Income | $163,189 |
| Highest Applicant Income | $9,648,000 |
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Southstate Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 3,140 | $ 717,300,000 | $ 228,439 | $ 126,493 |
| Atlanta-Sandy Springs-Roswell, GA | 2,817 | $ 1,042,515,000 | $ 370,079 | $ 174,000 |
| Charleston-North Charleston, SC | 2,026 | $ 803,440,000 | $ 396,564 | $ 201,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1,933 | $ 734,765,000 | $ 380,116 | $ 211,012 |
| Greenville-Anderson-Mauldin, SC | 1,598 | $ 445,030,000 | $ 278,491 | $ 154,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,283 | $ 373,535,000 | $ 291,141 | $ 139,000 |
| Orlando-Kissimmee-Sanford, FL | 1,238 | $ 329,970,000 | $ 266,534 | $ 154,000 |
| North Port-Sarasota-Bradenton, FL | 1,215 | $ 442,995,000 | $ 364,604 | $ 186,000 |
| Augusta-Richmond County, GA-SC | 1,090 | $ 288,050,000 | $ 264,266 | $ 136,325 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 986 | $ 259,890,000 | $ 263,580 | $ 134,062 |
| Hilton Head Island-Bluffton-Beaufort, SC | 843 | $ 299,145,000 | $ 354,857 | $ 190,000 |
| Columbia, SC | 783 | $ 191,385,000 | $ 244,425 | $ 153,000 |
| Lakeland-Winter Haven, FL | 734 | $ 120,760,000 | $ 164,523 | $ 100,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 548 | $ 104,810,000 | $ 191,259 | $ 110,000 |
| Port St. Lucie, FL | 543 | $ 152,305,000 | $ 280,488 | $ 162,000 |
| Jacksonville, FL | 536 | $ 165,050,000 | $ 307,929 | $ 166,000 |
| Daphne-Fairhope-Foley, AL | 505 | $ 197,785,000 | $ 391,653 | $ 241,000 |
| Huntsville, AL | 475 | $ 186,445,000 | $ 392,515 | $ 184,000 |
| Savannah, GA | 430 | $ 157,370,000 | $ 365,976 | $ 197,000 |
| Sebastian-Vero Beach, FL | 359 | $ 102,295,000 | $ 284,944 | $ 180,000 |
| Ocala, FL | 253 | $ 49,705,000 | $ 196,462 | $ 124,000 |
| Rome, GA | 245 | $ 52,925,000 | $ 216,020 | $ 117,000 |
| Birmingham-Hoover, AL | 244 | $ 91,580,000 | $ 375,327 | $ 252,000 |
| Cape Coral-Fort Myers, FL | 232 | $ 53,290,000 | $ 229,698 | $ 131,000 |
| Auburn-Opelika, AL | 215 | $ 67,365,000 | $ 313,325 | $ 178,000 |
| Sebring, FL | 212 | $ 25,850,000 | $ 121,933 | $ 84,000 |
| Naples-Immokalee-Marco Island, FL | 209 | $ 93,985,000 | $ 449,688 | $ 252,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 201 | $ 72,785,000 | $ 362,114 | $ 235,000 |
| Miami-Miami Beach-Kendall, FL | 187 | $ 61,765,000 | $ 330,294 | $ 195,000 |
| Pensacola-Ferry Pass-Brent, FL | 185 | $ 53,795,000 | $ 290,783 | $ 204,000 |
| Spartanburg, SC | 171 | $ 44,305,000 | $ 259,093 | $ 163,000 |
| Florence, SC | 170 | $ 22,070,000 | $ 129,823 | $ 86,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 151 | $ 47,695,000 | $ 315,860 | $ 215,000 |
| Wilmington, NC | 140 | $ 41,840,000 | $ 298,857 | $ 185,000 |
| Palm Bay-Melbourne-Titusville, FL | 134 | $ 38,360,000 | $ 286,268 | $ 182,000 |
| Macon-Bibb County, GA | 121 | $ 33,285,000 | $ 275,082 | $ 123,000 |
| Raleigh, NC | 121 | $ 29,975,000 | $ 247,727 | $ 242,000 |
| Gainesville, FL | 120 | $ 31,610,000 | $ 263,416 | $ 152,000 |
| Dalton, GA | 110 | $ 21,080,000 | $ 191,636 | $ 90,000 |
| Punta Gorda, FL | 110 | $ 23,770,000 | $ 216,090 | $ 116,000 |
| Richmond, VA | 106 | $ 31,580,000 | $ 297,924 | $ 265,000 |
| Asheville, NC | 91 | $ 27,725,000 | $ 304,670 | $ 152,000 |
| Gainesville, GA | 85 | $ 22,195,000 | $ 261,117 | $ 172,000 |
| Athens-Clarke County, GA | 68 | $ 19,500,000 | $ 286,764 | $ 224,000 |
| The Villages, FL | 68 | $ 13,760,000 | $ 202,352 | $ 87,000 |
| Durham-Chapel Hill, NC | 58 | $ 17,010,000 | $ 293,275 | $ 246,000 |
| Sumter, SC | 50 | $ 7,300,000 | $ 146,000 | $ 77,000 |
| Crestview-Fort Walton Beach-Destin, FL | 48 | $ 37,390,000 | $ 778,958 | $ 357,000 |
| Homosassa Springs, FL | 48 | $ 7,660,000 | $ 159,583 | $ 85,000 |
| Warner Robins, GA | 38 | $ 8,450,000 | $ 222,368 | $ 90,000 |
| Decatur, AL | 34 | $ 7,870,000 | $ 231,470 | $ 108,000 |
| Brunswick, GA | 27 | $ 8,955,000 | $ 331,666 | $ 163,000 |
| Columbus, GA-AL | 27 | $ 6,745,000 | $ 249,814 | $ 112,962 |
| Hickory-Lenoir-Morganton, NC | 26 | $ 13,020,000 | $ 500,769 | $ 231,000 |
| Hinesville, GA | 25 | $ 5,495,000 | $ 219,800 | $ 92,000 |
| Albany, GA | 24 | $ 4,500,000 | $ 187,500 | $ 88,000 |
| Chattanooga, TN-GA | 24 | $ 5,470,000 | $ 227,916 | $ 142,041 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 23 | $ 12,645,000 | $ 549,782 | $ 149,217 |
| Jacksonville, NC | 22 | $ 9,840,000 | $ 447,272 | $ 222,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 18 | $ 9,050,000 | $ 502,777 | $ 364,000 |
| Panama City, FL | 17 | $ 5,645,000 | $ 332,058 | $ 207,000 |
| Winston-Salem, NC | 17 | $ 4,475,000 | $ 263,235 | $ 119,000 |
| Tallahassee, FL | 15 | $ 4,015,000 | $ 267,666 | $ 97,000 |
| New Bern, NC | 12 | $ 2,070,000 | $ 172,500 | $ 85,000 |
| Montgomery, AL | 11 | $ 2,285,000 | $ 207,727 | $ 205,000 |
| Greenville, NC | 10 | $ 1,010,000 | $ 101,000 | $ 55,000 |
| Mobile, AL | 10 | $ 3,820,000 | $ 382,000 | $ 265,000 |
| Valdosta, GA | 9 | $ 1,695,000 | $ 188,333 | $ 118,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 9 | $ 3,125,000 | $ 347,222 | $ 367,111 |
| Florence-Muscle Shoals, AL | 7 | $ 1,415,000 | $ 202,142 | $ 95,000 |
| Tuscaloosa, AL | 7 | $ 3,885,000 | $ 555,000 | $ 105,000 |
| Greensboro-High Point, NC | 6 | $ 3,000,000 | $ 500,000 | $ 366,000 |
| Houston-The Woodlands-Sugar Land, TX | 6 | $ 13,410,000 | $ 2,235,000 | $ 272,000 |
| Chicago-Naperville, IL | 5 | $ 1,105,000 | $ 221,000 | $ 433,000 |
| Knoxville, TN | 5 | $ 865,000 | $ 173,000 | $ 59,000 |
| Dallas-Plano-Irving, TX | 4 | $ 5,740,000 | $ 1,435,000 | $ 312,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 1,190,000 | $ 297,500 | $ 152,000 |
| Fayetteville, NC | 4 | $ 850,000 | $ 212,500 | $ 79,000 |
| Goldsboro, NC | 4 | $ 690,000 | $ 172,500 | $ 81,000 |
| Lynchburg, VA | 4 | $ 560,000 | $ 140,000 | $ 75,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 1,340,000 | $ 335,000 | $ 248,000 |
| Burlington, NC | 3 | $ 625,000 | $ 208,333 | $ 81,000 |
| Dothan, AL | 3 | $ 395,000 | $ 131,666 | $ 36,000 |
| Jackson, MS | 3 | $ 4,225,000 | $ 1,408,333 | $ 400,000 |
| Memphis, TN-MS-AR | 3 | $ 625,000 | $ 208,333 | $ 196,666 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 1,935,000 | $ 645,000 | $ 388,000 |
| Rocky Mount, NC | 3 | $ 215,000 | $ 71,666 | $ 66,000 |
| Salisbury, MD-DE | 3 | $ 2,785,000 | $ 928,333 | $ 51,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 815,000 | $ 271,666 | $ 62,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 750,000 | $ 375,000 | $ 111,000 |
| Fort Worth-Arlington, TX | 2 | $ 440,000 | $ 220,000 | $ 56,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 660,000 | $ 330,000 | $ 85,000 |
| Hattiesburg, MS | 2 | $ 1,040,000 | $ 520,000 | $ 8,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 580,000 | $ 290,000 | $ 232,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 260,000 | $ 130,000 | $ 179,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 910,000 | $ 455,000 | $ 179,000 |
| New York-Newark, NY | 2 | $ 470,000 | $ 235,000 | $ 410,000 |
| Newark, NJ-PA | 2 | $ 360,000 | $ 180,000 | $ 207,000 |
| Oklahoma City, OK | 2 | $ 740,000 | $ 370,000 | $ 120,000 |
| Roanoke, VA | 2 | $ 400,000 | $ 200,000 | $ 78,000 |
| Rockingham County-Strafford County, NH | 2 | $ 1,060,000 | $ 530,000 | $ 179,000 |
| St. Louis, MO-IL | 2 | $ 720,000 | $ 360,000 | $ 98,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 560,000 | $ 280,000 | $ 79,000 |
| Billings, MT | 1 | $ 1,265,000 | $ 1,265,000 | $ 598,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Bloomington, IL | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Bowling Green, KY | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 305,000 | $ 305,000 | $ 250,000 |
| Camden, NJ | 1 | $ 555,000 | $ 555,000 | $ 168,000 |
| Charlottesville, VA | 1 | $ 545,000 | $ 545,000 | $ 480,000 |
| Cincinnati, OH-KY-IN | 1 | $ 545,000 | $ 545,000 | $ 304,000 |
| Des Moines-West Des Moines, IA | 1 | $ 85,000 | $ 85,000 | $ 28,000 |
| Elgin, IL | 1 | $ 165,000 | $ 165,000 | $ 42,000 |
| Erie, PA | 1 | $ 165,000 | $ 165,000 | $ 56,000 |
| Gadsden, AL | 1 | $ 1,175,000 | $ 1,175,000 | $ 0 |
| Gettysburg, PA | 1 | $ 155,000 | $ 155,000 | $ 119,000 |
| Grand Junction, CO | 1 | $ 325,000 | $ 325,000 | $ 205,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 275,000 | $ 275,000 | $ 88,000 |
| Houma-Thibodaux, LA | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Kalamazoo-Portage, MI | 1 | $ 505,000 | $ 505,000 | $ 132,000 |
| Lake Charles, LA | 1 | $ 185,000 | $ 185,000 | $ 88,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 875,000 | $ 875,000 | $ 541,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 625,000 | $ 625,000 | $ 114,000 |
| Morristown, TN | 1 | $ 405,000 | $ 405,000 | $ 245,000 |
| New Haven-Milford, CT | 1 | $ 375,000 | $ 375,000 | $ 263,000 |
| New Orleans-Metairie, LA | 1 | $ 215,000 | $ 215,000 | $ 100,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 415,000 | $ 415,000 | $ 150,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 425,000 | $ 425,000 | $ 208,000 |
| Pittsburgh, PA | 1 | $ 705,000 | $ 705,000 | $ 247,000 |
| Portland-South Portland, ME | 1 | $ 545,000 | $ 545,000 | $ 949,000 |
| Providence-Warwick, RI-MA | 1 | $ 165,000 | $ 165,000 | $ 17,000 |
| San Diego-Carlsbad, CA | 1 | $ 1,655,000 | $ 1,655,000 | $ 637,000 |
| Shreveport-Bossier City, LA | 1 | $ 165,000 | $ 165,000 | $ 117,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 125,000 | $ 125,000 | $ 30,000 |
| Spokane-Spokane Valley, WA | 1 | $ 265,000 | $ 265,000 | $ 397,000 |
| Springfield, MA | 1 | $ 235,000 | $ 235,000 | $ 88,000 |
| State College, PA | 1 | $ 285,000 | $ 285,000 | $ 79,000 |
| Terre Haute, IN | 1 | $ 275,000 | $ 275,000 | $ 157,000 |
| Waco, TX | 1 | $ 365,000 | $ 365,000 | $ 90,000 |
| Worcester, MA-CT | 1 | $ 515,000 | $ 515,000 | $ 165,000 |
Mortgage Loan Application Detail Totals for Southstate Bank, National Association in 2021
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 | 14,657 | $5,246,325,000 | $357,000 | $53,615,000 | $156,000 | $9,648,000 |
| Refinancing | 5,398 | $1,727,900,000 | $320,000 | $6,205,000 | $177,000 | $7,124,000 |
| Cash-out Refinancing | 2,935 | $873,205,000 | $297,000 | $4,005,000 | $142,000 | $4,440,000 |
| Home Improvement | 2,786 | $373,320,000 | $133,000 | $2,025,000 | $176,000 | $3,763,000 |
| Other Purpose | 2,311 | $382,625,000 | $165,000 | $2,795,000 | $188,000 | $5,751,000 |
| 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 | 20,698 | $5,925,980,000 | $286,000 | $12,005,000 | $166,000 | $9,648,000 |
| Not Provided | 2,907 | $1,024,565,000 | $352,000 | $3,005,000 | $192,000 | $2,058,000 |
| Black or African American | 1,778 | $409,690,000 | $230,000 | $2,825,000 | $110,000 | $4,145,000 |
| Hispanic | 1,527 | $399,345,000 | $261,000 | $3,655,000 | $129,000 | $2,853,000 |
| Asian | 639 | $222,125,000 | $347,000 | $3,505,000 | $191,000 | $3,320,000 |
| Not applicable | 372 | $578,530,000 | $1,555,000 | $53,615,000 | $0 | $0 |
| American Indian or Alaskan Native | 95 | $24,105,000 | $253,000 | $1,475,000 | $114,000 | $524,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $3,795,000 | $291,000 | $545,000 | $140,000 | $553,000 |
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) | 26,483 | $8,163,005,000 | $308,000 | $53,615,000 | $168,000 | $9,648,000 |
| FHA-insured (Federal Housing Administration) | 763 | $177,675,000 | $232,000 | $1,885,000 | $68,000 | $308,000 |
| VA-guaranteed (Veterans Administration) | 682 | $234,210,000 | $343,000 | $1,585,000 | $108,000 | $425,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 159 | $28,485,000 | $179,000 | $365,000 | $54,000 | $117,000 |
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 | 19,885 | $6,510,335,000 | $327,000 | $53,615,000 | $171,000 | $9,648,000 |
| Application Withdrawn By Applicant | 3,948 | $1,305,450,000 | $330,000 | $36,795,000 | $176,000 | $3,325,000 |
| Application Denied By Financial Institution | 3,399 | $586,355,000 | $172,000 | $2,795,000 | $103,000 | $4,440,000 |
| Application Approved But Not Accepted | 528 | $90,330,000 | $171,000 | $2,005,000 | $134,000 | $3,294,000 |
| File Closed For Incompleteness | 303 | $101,625,000 | $335,000 | $2,355,000 | $191,000 | $3,320,000 |
| Loan Purchased By The Institution | 24 | $9,280,000 | $386,000 | $1,225,000 | $0 | $0 |
| 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 | 24,688 | $8,017,020,000 | $324,000 | $53,615,000 | $172,000 | $9,648,000 |
| Debt-To-Income Ratio | 1,484 | $271,660,000 | $183,000 | $2,795,000 | $63,000 | $601,000 |
| Credit History | 919 | $113,985,000 | $124,000 | $2,405,000 | $108,000 | $4,420,000 |
| Collateral | 391 | $78,295,000 | $200,000 | $2,005,000 | $163,000 | $1,834,000 |
| Credit Application Incomplete | 244 | $55,400,000 | $227,000 | $1,585,000 | $209,000 | $2,737,000 |
| Employment History | 158 | $19,670,000 | $124,000 | $785,000 | $84,000 | $4,440,000 |
| Other | 111 | $27,735,000 | $249,000 | $1,505,000 | $162,000 | $2,216,000 |
| Unverifiable Information | 59 | $11,685,000 | $198,000 | $605,000 | $123,000 | $1,920,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 33 | $7,925,000 | $240,000 | $835,000 | $80,000 | $194,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southstate Bank, National Association's 2021 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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