South Central Bank in Florida vs the state
20.0%Denial rate-1.06 pts vs state
22.2%Decision denial rate-5.02 pts vs state
60.0%Origination rate+7.31 pts vs state
7.13%Median rate+0.50 pts vs state
0.32Rate spread (pts)+0.05 pts vs state
$66kMedian applicant income
6Loans originated
2Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 7 | 0.0% | 7.25% | #1,083 |
| 2024 | 11 | 8 | 0.0% | 8.00% | #900 |
| 2025 | 10 | 6 | 20.0% | 7.13% | #939 |
What South Central Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most South Central Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Walton County | 3 | 3 | 0 | 0.0% |
| Collier County | 1 | 0 | 0 | 0.0% |
| St. Lucie County | 1 | 0 | 1 | 100.0% |
| Hillsborough County | 1 | 0 | 0 | 0.0% |
| Hernando County | 1 | 1 | 0 | 0.0% |
| Bay County | 1 | 0 | 1 | 100.0% |
| Lake County | 1 | 1 | 0 | 0.0% |
| Columbia County | 1 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 10 applications in 2025, of which 6 were originated and 2 denied.
20.0% of all applications, or 22.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans South Central Bank originated in Florida in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are South Central Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology