Southern First Bank in Florida vs the state
0.0%Denial rate-21.06 pts vs state
0.0%Decision denial rate-27.24 pts vs state
75.0%Origination rate+22.31 pts vs state
7.31%Median rate+0.69 pts vs state
0.39Rate spread (pts)+0.12 pts vs state
$208kMedian applicant income
6Loans originated
0Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 6 | 0.0% | 7.41% | #1,051 |
| 2025 | 8 | 6 | 0.0% | 7.31% | #987 |
What Southern First Bank lends in Florida
By loan purpose
By loan type
Where in Florida
Counties with the most Southern First Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bay County | 2 | 2 | 0 | 0.0% |
| Collier County | 2 | 2 | 0 | 0.0% |
| Walton County | 2 | 0 | 0 | 0.0% |
| Seminole County | 1 | 1 | 0 | 0.0% |
| St. Johns 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: 8 applications in 2025, of which 6 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Southern First Bank originated in Florida in 2025 was 7.31%, against a statewide median of 6.63%.
About this data. Figures are Southern First 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