Southstate Bank, National Association Mortgage Lending & HMDA Data, 2024
In 2024, Southstate Bank, National Association of Winter Haven, FL reported 15,833 mortgage applications totaling $4.4 billion, down 7% from 2023. The average application was for $278,075, and applicants reported an average income of $164,569. 62% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Charlotte-Concord-Gastonia, NC-SC (1,226), Charleston-North Charleston, SC (1,064) and Birmingham-Hoover, AL (1,031) (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 | 15,833 |
| Total Mortgage Loan Application Amount | $4,402,775,000 |
| Average Mortgage Loan Application Amount | $278,075 |
| Highest Mortgage Loan Application Amount | $50,005,000 |
| Average Applicant Income | $164,569 |
| Highest Applicant Income | $7,200,000 |
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Southstate Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,793 | $ 477,605,000 | $ 266,372 | $ 140,731 |
| Charlotte-Concord-Gastonia, NC-SC | 1,226 | $ 362,220,000 | $ 295,448 | $ 204,216 |
| Charleston-North Charleston, SC | 1,064 | $ 364,520,000 | $ 342,593 | $ 209,000 |
| Birmingham-Hoover, AL | 1,031 | $ 158,935,000 | $ 154,156 | $ 79,000 |
| Orlando-Kissimmee-Sanford, FL | 949 | $ 273,955,000 | $ 288,677 | $ 164,000 |
| Atlanta-Sandy Springs-Roswell, GA | 911 | $ 344,275,000 | $ 377,908 | $ 182,000 |
| Augusta-Richmond County, GA-SC | 846 | $ 193,080,000 | $ 228,226 | $ 131,814 |
| Greenville-Anderson-Mauldin, SC | 767 | $ 197,125,000 | $ 257,007 | $ 175,000 |
| Lakeland-Winter Haven, FL | 581 | $ 98,535,000 | $ 169,595 | $ 110,000 |
| Columbia, SC | 451 | $ 91,365,000 | $ 202,583 | $ 144,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 422 | $ 156,330,000 | $ 370,450 | $ 228,000 |
| Tampa, FL | 397 | $ 106,045,000 | $ 267,115 | $ 143,000 |
| North Port-Sarasota-Bradenton, FL | 335 | $ 95,735,000 | $ 285,776 | $ 181,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 332 | $ 53,970,000 | $ 162,560 | $ 113,000 |
| Jacksonville, FL | 317 | $ 83,985,000 | $ 264,936 | $ 206,000 |
| Huntsville, AL | 272 | $ 97,330,000 | $ 357,830 | $ 173,000 |
| Savannah, GA | 256 | $ 88,500,000 | $ 345,703 | $ 238,000 |
| Marietta, GA | 249 | $ 110,175,000 | $ 442,469 | $ 201,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 248 | $ 52,420,000 | $ 211,370 | $ 142,000 |
| Port St. Lucie, FL | 239 | $ 89,985,000 | $ 376,506 | $ 159,000 |
| Ocala, FL | 205 | $ 32,875,000 | $ 160,365 | $ 122,000 |
| Spartanburg, SC | 186 | $ 35,950,000 | $ 193,279 | $ 119,000 |
| Sebastian-Vero Beach, FL | 184 | $ 68,380,000 | $ 371,630 | $ 211,000 |
| Auburn-Opelika, AL | 165 | $ 28,575,000 | $ 173,181 | $ 140,000 |
| Daphne-Fairhope-Foley, AL | 161 | $ 64,255,000 | $ 399,099 | $ 283,000 |
| Richmond, VA | 155 | $ 40,915,000 | $ 263,967 | $ 167,000 |
| St. Petersburg-Clearwater-Largo, FL | 152 | $ 56,130,000 | $ 369,276 | $ 188,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 145 | $ 48,235,000 | $ 332,655 | $ 220,000 |
| Wilmington, NC | 133 | $ 41,465,000 | $ 311,766 | $ 230,000 |
| Florence, SC | 126 | $ 14,930,000 | $ 118,492 | $ 112,000 |
| Miami-Miami Beach-Kendall, FL | 116 | $ 49,380,000 | $ 425,689 | $ 232,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 113 | $ 40,845,000 | $ 361,460 | $ 283,000 |
| Sebring, FL | 112 | $ 13,280,000 | $ 118,571 | $ 94,000 |
| Gainesville, FL | 110 | $ 33,270,000 | $ 302,454 | $ 173,000 |
| Palm Bay-Melbourne-Titusville, FL | 89 | $ 22,895,000 | $ 257,247 | $ 126,000 |
| Pensacola-Ferry Pass-Brent, FL | 86 | $ 17,630,000 | $ 205,000 | $ 177,000 |
| Raleigh, NC | 80 | $ 25,250,000 | $ 315,625 | $ 276,000 |
| Cape Coral-Fort Myers, FL | 57 | $ 15,125,000 | $ 265,350 | $ 165,000 |
| Arlington-Alexandria-Reston, VA-WV | 55 | $ 21,115,000 | $ 383,909 | $ 197,654 |
| Gainesville, GA | 44 | $ 9,670,000 | $ 219,772 | $ 186,000 |
| Tallahassee, FL | 38 | $ 7,730,000 | $ 203,421 | $ 71,000 |
| Punta Gorda, FL | 35 | $ 5,965,000 | $ 170,428 | $ 103,000 |
| Crestview-Fort Walton Beach-Destin, FL | 32 | $ 20,190,000 | $ 630,937 | $ 341,000 |
| Wildwood-The Villages, FL | 32 | $ 5,880,000 | $ 183,750 | $ 103,000 |
| Athens-Clarke County, GA | 31 | $ 5,745,000 | $ 185,322 | $ 126,000 |
| Homosassa Springs, FL | 31 | $ 5,705,000 | $ 184,032 | $ 119,000 |
| Sumter, SC | 28 | $ 3,150,000 | $ 112,500 | $ 73,000 |
| Tuscaloosa, AL | 28 | $ 6,170,000 | $ 220,357 | $ 76,000 |
| Naples-Immokalee-Marco Island, FL | 24 | $ 10,120,000 | $ 421,666 | $ 301,000 |
| Columbus, GA-AL | 22 | $ 3,990,000 | $ 181,363 | $ 93,727 |
| Montgomery, AL | 20 | $ 4,770,000 | $ 238,500 | $ 109,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 20 | $ 11,970,000 | $ 598,500 | $ 280,600 |
| Dothan, AL | 18 | $ 2,420,000 | $ 134,444 | $ 81,000 |
| Durham-Chapel Hill, NC | 17 | $ 5,785,000 | $ 340,294 | $ 311,000 |
| Decatur, AL | 14 | $ 2,860,000 | $ 204,285 | $ 98,000 |
| Winston-Salem, NC | 14 | $ 2,770,000 | $ 197,857 | $ 110,000 |
| Asheville, NC | 13 | $ 8,525,000 | $ 655,769 | $ 269,000 |
| Florence-Muscle Shoals, AL | 13 | $ 3,645,000 | $ 280,384 | $ 126,000 |
| Hickory-Lenoir-Morganton, NC | 13 | $ 2,545,000 | $ 195,769 | $ 189,000 |
| Hattiesburg, MS | 11 | $ 1,105,000 | $ 100,454 | $ 58,000 |
| Panama City, FL | 11 | $ 2,735,000 | $ 248,636 | $ 167,000 |
| Brunswick, GA | 10 | $ 5,800,000 | $ 580,000 | $ 360,000 |
| Hinesville, GA | 10 | $ 990,000 | $ 99,000 | $ 97,000 |
| Mobile, AL | 10 | $ 1,220,000 | $ 122,000 | $ 77,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 10 | $ 4,070,000 | $ 407,000 | $ 120,000 |
| Albany, GA | 8 | $ 1,270,000 | $ 158,750 | $ 202,000 |
| Macon-Bibb County, GA | 7 | $ 1,135,000 | $ 162,142 | $ 186,000 |
| Pinehurst-Southern Pines, NC | 7 | $ 2,115,000 | $ 302,142 | $ 209,000 |
| Rocky Mount, NC | 7 | $ 685,000 | $ 97,857 | $ 58,000 |
| Jacksonville, NC | 6 | $ 800,000 | $ 133,333 | $ 109,000 |
| Staunton-Waynesboro, VA | 6 | $ 1,230,000 | $ 205,000 | $ 114,000 |
| Burlington, NC | 5 | $ 1,495,000 | $ 299,000 | $ 121,000 |
| Denver-Aurora-Lakewood, CO | 5 | $ 2,625,000 | $ 525,000 | $ 416,000 |
| Fayetteville, NC | 5 | $ 775,000 | $ 155,000 | $ 108,000 |
| Greensboro-High Point, NC | 5 | $ 1,045,000 | $ 209,000 | $ 72,000 |
| Knoxville, TN | 5 | $ 42,375,000 | $ 8,475,000 | $ 113,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 1,970,000 | $ 492,500 | $ 173,000 |
| Jackson, MS | 4 | $ 460,000 | $ 115,000 | $ 132,000 |
| Rome, GA | 4 | $ 1,080,000 | $ 270,000 | $ 271,000 |
| Washington, DC-MD | 4 | $ 2,150,000 | $ 537,500 | $ 276,000 |
| Austin-Round Rock, TX | 3 | $ 765,000 | $ 255,000 | $ 485,000 |
| Charlottesville, VA | 3 | $ 865,000 | $ 288,333 | $ 343,000 |
| Dalton, GA | 3 | $ 425,000 | $ 141,666 | $ 67,000 |
| Gadsden, AL | 3 | $ 345,000 | $ 115,000 | $ 63,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 605,000 | $ 201,666 | $ 213,000 |
| Memphis, TN-MS-AR | 3 | $ 255,000 | $ 85,000 | $ 66,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 1,495,000 | $ 498,333 | $ 145,000 |
| Pittsburgh, PA | 3 | $ 1,295,000 | $ 431,666 | $ 320,000 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 270,000 | $ 135,000 | $ 48,000 |
| Bozeman, MT | 2 | $ 1,250,000 | $ 625,000 | $ 627,000 |
| Casper, WY | 2 | $ 2,090,000 | $ 1,045,000 | $ 616,000 |
| Dallas-Plano-Irving, TX | 2 | $ 860,000 | $ 430,000 | $ 120,000 |
| Goldsboro, NC | 2 | $ 200,000 | $ 100,000 | $ 48,000 |
| Greenville, NC | 2 | $ 630,000 | $ 315,000 | $ 233,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 240,000 | $ 120,000 | $ 227,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 390,000 | $ 195,000 | $ 154,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 960,000 | $ 480,000 | $ 134,000 |
| Nassau County-Suffolk County, NY | 2 | $ 1,340,000 | $ 670,000 | $ 315,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 970,000 | $ 485,000 | $ 160,000 |
| Valdosta, GA | 2 | $ 1,070,000 | $ 535,000 | $ 417,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 800,000 | $ 400,000 | $ 300,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 685,000 | $ 685,000 | $ 272,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 455,000 | $ 455,000 | $ 168,000 |
| Bremerton-Silverdale, WA | 1 | $ 605,000 | $ 605,000 | $ 126,000 |
| Burlington-South Burlington, VT | 1 | $ 595,000 | $ 595,000 | $ 800,000 |
| Chattanooga, TN-GA | 1 | $ 515,000 | $ 515,000 | $ 139,000 |
| Cincinnati, OH-KY-IN | 1 | $ 345,000 | $ 345,000 | $ 139,000 |
| Cleveland, TN | 1 | $ 195,000 | $ 195,000 | $ 44,000 |
| Dover, DE | 1 | $ 425,000 | $ 425,000 | $ 90,000 |
| Duluth, MN-WI | 1 | $ 275,000 | $ 275,000 | $ 143,000 |
| Fort Worth-Arlington, TX | 1 | $ 215,000 | $ 215,000 | $ 355,000 |
| Greeley, CO | 1 | $ 635,000 | $ 635,000 | $ 249,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 575,000 | $ 575,000 | $ 107,000 |
| Harrisonburg, VA | 1 | $ 455,000 | $ 455,000 | $ 201,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Lexington Park, MD | 1 | $ 225,000 | $ 225,000 | $ 73,000 |
| Lincoln, NE | 1 | $ 215,000 | $ 215,000 | $ 87,000 |
| Lubbock, TX | 1 | $ 75,000 | $ 75,000 | $ 86,000 |
| Lynchburg, VA | 1 | $ 185,000 | $ 185,000 | $ 76,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 265,000 | $ 265,000 | $ 77,000 |
| Morgantown, WV | 1 | $ 285,000 | $ 285,000 | $ 110,000 |
| Morristown, TN | 1 | $ 115,000 | $ 115,000 | $ 58,000 |
| New Haven-Milford, CT | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Olympia-Tumwater, WA | 1 | $ 205,000 | $ 205,000 | $ 67,000 |
| Peoria, IL | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Philadelphia, PA | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Provo-Orem, UT | 1 | $ 1,675,000 | $ 1,675,000 | $ 774,000 |
| Roanoke, VA | 1 | $ 335,000 | $ 335,000 | $ 89,000 |
| Salisbury, MD-DE | 1 | $ 355,000 | $ 355,000 | $ 114,000 |
| San Antonio-New Braunfels, TX | 1 | $ 255,000 | $ 255,000 | $ 301,000 |
| San Diego-Carlsbad, CA | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Terre Haute, IN | 1 | $ 85,000 | $ 85,000 | $ 29,000 |
| Warner Robins, GA | 1 | $ 265,000 | $ 265,000 | $ 137,000 |
| Wichita, KS | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Wilmington, DE-MD-NJ | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Winchester, VA-WV | 1 | $ 135,000 | $ 135,000 | $ 971,000 |
| Worcester, MA-CT | 1 | $ 665,000 | $ 665,000 | $ 294,000 |
Mortgage Loan Application Detail Totals for Southstate Bank, National Association in 2024
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 | 9,203 | $3,046,135,000 | $330,000 | $40,005,000 | $147,000 | $5,971,000 |
| Home Improvement | 3,473 | $546,615,000 | $157,000 | $2,505,000 | $190,000 | $7,200,000 |
| Other Purpose | 1,574 | $241,210,000 | $153,000 | $3,005,000 | $172,000 | $5,577,000 |
| Refinancing | 1,221 | $452,595,000 | $370,000 | $50,005,000 | $220,000 | $3,236,000 |
| Cash-out Refinancing | 362 | $116,220,000 | $321,000 | $1,415,000 | $148,000 | $1,464,000 |
| 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 | 9,674 | $2,540,630,000 | $262,000 | $5,965,000 | $184,000 | $7,200,000 |
| Black or African American | 2,541 | $463,455,000 | $182,000 | $3,505,000 | $89,000 | $2,269,000 |
| Not Provided | 1,592 | $455,500,000 | $286,000 | $2,505,000 | $198,000 | $4,791,000 |
| Hispanic | 1,383 | $330,655,000 | $239,000 | $3,005,000 | $123,000 | $2,448,000 |
| Asian | 366 | $129,460,000 | $353,000 | $2,005,000 | $211,000 | $1,438,000 |
| Not applicable | 184 | $465,060,000 | $2,527,000 | $50,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 81 | $16,065,000 | $198,000 | $905,000 | $163,000 | $4,939,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $1,935,000 | $175,000 | $355,000 | $74,000 | $138,000 |
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) | 14,589 | $4,013,105,000 | $275,000 | $50,005,000 | $170,000 | $7,200,000 |
| FHA-insured (Federal Housing Administration) | 878 | $251,100,000 | $285,000 | $675,000 | $94,000 | $406,000 |
| VA-guaranteed (Veterans Administration) | 323 | $128,605,000 | $398,000 | $1,775,000 | $137,000 | $512,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 43 | $9,965,000 | $231,000 | $335,000 | $81,000 | $145,000 |
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 | 9,816 | $2,894,580,000 | $294,000 | $40,005,000 | $179,000 | $5,577,000 |
| Application Denied By Financial Institution | 3,457 | $631,015,000 | $182,000 | $5,755,000 | $119,000 | $4,870,000 |
| Application Withdrawn By Applicant | 2,125 | $768,255,000 | $361,000 | $50,005,000 | $171,000 | $7,200,000 |
| Application Approved But Not Accepted | 334 | $58,810,000 | $176,000 | $3,005,000 | $141,000 | $1,631,000 |
| File Closed For Incompleteness | 94 | $48,220,000 | $512,000 | $2,585,000 | $272,000 | $5,971,000 |
| Loan Purchased By The Institution | 7 | $1,895,000 | $270,000 | $715,000 | $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 | 12,376 | $3,771,760,000 | $304,000 | $50,005,000 | $177,000 | $7,200,000 |
| Debt-To-Income Ratio | 1,809 | $346,275,000 | $191,000 | $3,705,000 | $92,000 | $1,748,000 |
| Credit History | 645 | $78,745,000 | $122,000 | $1,785,000 | $111,000 | $2,282,000 |
| Collateral | 336 | $62,740,000 | $186,000 | $1,505,000 | $180,000 | $2,366,000 |
| Credit Application Incomplete | 324 | $61,530,000 | $189,000 | $1,785,000 | $217,000 | $3,120,000 |
| Other | 145 | $27,945,000 | $192,000 | $5,755,000 | $110,000 | $971,000 |
| Unverifiable Information | 79 | $26,055,000 | $329,000 | $3,315,000 | $134,000 | $1,376,000 |
| Employment History | 68 | $13,230,000 | $194,000 | $4,705,000 | $130,000 | $4,870,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 51 | $14,495,000 | $284,000 | $1,775,000 | $118,000 | $715,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Southstate Bank, National Association's 2024 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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