SouthState Bank in Florida vs the state
21.9%Denial rate+0.81 pts vs state
25.7%Decision denial rate-1.53 pts vs state
61.8%Origination rate+9.15 pts vs state
6.90%Median rate+0.28 pts vs state
0.41Rate spread (pts)+0.14 pts vs state
$112kMedian applicant income
2,616Loans originated
925Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,838 | 3,533 | 21.7% | 6.99% | #38 |
| 2024 | 4,874 | 2,893 | 23.5% | 7.20% | #45 |
| 2025 | 4,230 | 2,616 | 21.9% | 6.90% | #50 |
What SouthState Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most SouthState Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 534 | 323 | 136 | 25.5% |
| Orange County | 282 | 168 | 54 | 19.1% |
| Manatee County | 201 | 139 | 33 | 16.4% |
| Sarasota County | 189 | 133 | 23 | 12.2% |
| Osceola County | 187 | 97 | 61 | 32.6% |
| Marion County | 186 | 119 | 35 | 18.8% |
| Hillsborough County | 180 | 119 | 39 | 21.7% |
| Volusia County | 174 | 107 | 34 | 19.5% |
| Lake County | 154 | 89 | 42 | 27.3% |
| Pasco County | 144 | 97 | 25 | 17.4% |
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: 4,230 applications in 2025, of which 2,616 were originated and 925 denied.
21.9% of all applications, or 25.7% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans SouthState Bank originated in Florida in 2025 was 6.90%, against a statewide median of 6.63%.
About this data. Figures are SouthState 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