Southern Bancorp Bank in Florida vs the state
14.3%Denial rate-6.77 pts vs state
25.0%Decision denial rate-2.24 pts vs state
42.9%Origination rate-9.83 pts vs state
8.50%Median rate+1.88 pts vs state
—Rate spread (pts)
$219kMedian applicant income
3Loans originated
1Denied
What Southern Bancorp Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Southern Bancorp Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collier County | 3 | 2 | 0 | 0.0% |
| Brevard County | 1 | 1 | 0 | 0.0% |
| Duval County | 1 | 0 | 1 | 100.0% |
| Bay County | 1 | 0 | 0 | 0.0% |
| Hillsborough County | 1 | 0 | 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: 7 applications in 2025, of which 3 were originated and 1 denied.
14.3% of all applications, or 25.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Southern Bancorp Bank originated in Florida in 2025 was 8.50%, against a statewide median of 6.63%.
About this data. Figures are Southern Bancorp 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