Applications / Mortgage Analytics / Lenders / Florida / SouthState Bank
Winter Haven, FL · National bank · OCC · $67.2 billion assets · 9,967 loans in 2025
SouthState Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
9,967
loans originated, 2025
15,429
applications, 2025
30
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
SouthState Bank made about as many loans in 2025 as in 2024 but lent $3.92 billion, up from $2.89 billion, as its loans grew larger and its share of loans above the conforming limit roughly doubled.
Originations rose 2%, below the 5% of similar lenders (national banks making between half and twice as many loans). Its typical loan rose to $235,000 from $205,000, and jumbo loans (larger than the conforming limit) to 10.7% from 5.2%. Its 2025 merger with Independent Bank may account for part of the change in mix.
FHA loans (insured by the Federal Housing Administration) were 4.6% against 2.3% for peers, and VA loans (guaranteed by the Department of Veterans Affairs) 2.0% against 0.9%. Higher-priced loans (a rate well above the average for similar loans) were 3.0% against 0.7%, while its typical rate of 6.62% matched peers. Its FHA loans, and manufactured homes at 5.8% of its loans against 0.7%, the highest share in the group, could explain much of that.
Loans in LMI (low- and moderate-income) areas were 18.6%, higher than more than four in five similar lenders, though down from 22.3%. Lending in majority-minority areas fell to 22.9% from 27.4%. Larger loans after the merger could explain the drop.
In Augusta-Richmond County it ranks 3 of 461, and its share rose 0.2 points to 4.8%. In Charleston-North Charleston its share fell 0.6 points to 2.0%, which could reflect competition from Wells Fargo Bank and national lenders.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. SouthState Bank took 15,429 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.2% · Home improvement 22.6% · Refinance 13.4% · Other 7.7%
Conventional 93.1% · FHA 4.6% · VA 2.0% · USDA (RHS or FSA) 0.2% · of 9,967 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| South Carolina | 2,816 | 28.3% |
| Florida | 2,616 | 26.2% |
| Georgia | 1,856 | 18.6% |
| North Carolina | 928 | 9.3% |
| Alabama | 918 | 9.2% |
| Texas | 449 | 4.5% |
| Colorado | 184 | 1.8% |
| Virginia | 129 | 1.3% |
| Tennessee | 30 | 0.3% |
| Michigan | 4 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charlotte-Concord-Gastonia | 852 |
| Augusta-Richmond County | 649 |
| Charleston-North Charleston | 610 |
| Greenville-Anderson-Greer | 579 |
| Atlanta-Sandy Springs-Roswell | 568 |
| Birmingham | 428 |
| Orlando-Kissimmee-Sanford | 414 |
| Lakeland-Winter Haven | 323 |
| Hilton Head Island-Bluffton-Port Royal | 278 |
| North Port-Bradenton-Sarasota | 272 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 8I3UVGYULPJQIP7FQV10 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1929247 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 122311 | 1993–2017 |
Established 21 February 1992. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: SouthState Bank's data.
SouthState Bank's data
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