# SouthState Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/southstate-bank-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


SouthState Bank, National Association is a bank, headquartered in Winter Haven, FL, serving borrowers across 24 states, with 4,543 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 51% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 8I3UVGYULPJQIP7FQV10
- **Headquarters:** Winter Haven, FL
- **Geographic Reach:** Multi-Region
- **States Served:** 24
- **State List:** AL, CO, DE, FL, GA, IL, IN, KY, MD, MN, MS, NC, NE, NY, OH, PA, SC, TN, TX, UT, VA, VT, WA, WV
- **Markets (MSAs):** 45
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.200%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,232
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,543
- **Dollar Volume:** $1.7 billion
- **Applications Received:** 6,356
- **Market Share:** 13.00%

## Typical Borrower Profile

- **Average Loan Amount:** $380,890
- **Average Borrower Income:** $165,495
- **Average Property Value:** $488,760

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Jumbo Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 84/100 | 3,515 | +0.221% | $2,294 | Exceptional 🤩 |
| FHA | 77/100 | 521 | +0.336% | $2,443 | Strong 😀 |
| VA | 76/100 | 222 | -0.433% | $1,383 | Strong 😀 |
| Jumbo | 87/100 | 259 | +0.128% | $1,516 | Exceptional 🤩 |
| USDA | 53/100 | 26 | -0.080% | $2,491 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,313 loans, Score: 85/100 (Exceptional)
- Refinance: 202 loans, Score: 70/100 (Strong)

**FHA:**
- Purchase: 497 loans, Score: 77/100 (Strong)
- Refinance: 24 loans, Score: 70/100 (Strong)

**VA:**
- Purchase: 211 loans, Score: 76/100 (Strong)

**Jumbo:**
- Purchase: 243 loans, Score: 87/100 (Exceptional)

**USDA:**
- Purchase: 26 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 83/100 | 4,290 | $1.6B | +0.200% | Exceptional 🤩 |
| Refinance | 70/100 | 253 | $98M | +0.188% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 1,255 | 0.43% | 80/100 |
| SC | 1,165 | 1.45% | 92/100 |
| GA | 1,005 | 0.73% | 83/100 |
| AL | 677 | 1.13% | 87/100 |
| NC | 297 | 0.20% | 67/100 |
| VA | 96 | 0.09% | 59/100 |
| TN | 16 | 0.02% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 404 | 78/100 |
| Birmingham, AL | AL | 394 | 93/100 |
| Non |  | 389 | 65/100 |
| Augusta | GA-SC | 360 | 97/100 |
| Charlotte | NC-SC | 283 | 77/100 |
| Orlando | FL | 270 | 76/100 |
| Charleston | SC | 241 | 85/100 |
| Greenville | SC | 235 | 85/100 |
| Huntsville, AL | AL | 133 | 77/100 |
| Columbia, SC | SC | 124 | 75/100 |
| Lakeland | FL | 124 | 73/100 |
| Tampa, FL | FL | 107 | 64/100 |
| Hilton Head Island | SC | 102 | 77/100 |
| Savannah, GA | GA | 95 | 76/100 |
| North Port | FL | 84 | 68/100 |

## Where This Lender Ranks

SouthState Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Georgia for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Augusta for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Augusta for Jumbo Loans
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Augusta for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Charleston for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/charleston/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Greenville for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Lakeland Banks
  - [View Full Rankings](https://saferate.com/lakeland/best-mortgage-lenders/banks)
- 🥇 **#1** in Lakeland for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lakeland/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Lakeland for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lakeland/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Tampa, FL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tampa-fl/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Hilton Head Island for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/hilton-head-island/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in North Port for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-port/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Sebastian Banks
  - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/banks)
- 🥇 **#1** in Sebastian for Conventional Loans
  - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Sebastian for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Sebastian for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Sebastian for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Myrtle Beach for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/myrtle-beach/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Port St. Lucie, FL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/port-st-lucie-fl/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Sebring, FL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/sebring-fl/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does SouthState Bank, National Association offer?

SouthState Bank, National Association offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SouthState Bank, National Association offer mortgages?

SouthState Bank, National Association offers mortgages in 24 states: AL, CO, DE, FL, GA, IL, IN, KY, MD, MN, MS, NC, NE, NY, OH, PA, SC, TN, TX, UT, VA, VT, WA, WV.

### How competitive are SouthState Bank, National Association's mortgage rates?

SouthState Bank, National Association has a pricing score of 49/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.200% above market average.

### What type of lender is SouthState Bank, National Association?

SouthState Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Winter Haven, FL.

### What is SouthState Bank, National Association's loan approval success rate?

SouthState Bank, National Association has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/southstate-bank-national-association

### How to Cite

> "SouthState Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/southstate-bank-national-association

---

**[View Interactive Profile →](https://saferate.com/lenders/southstate-bank-national-association)**