SouthStar Bank, S.S.B. mortgage approval rate & lending review
SouthStar Bank, S.S.B. decided 399 mortgage applications and funded 308 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions SouthStar Bank, S.S.B. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
SouthStar Bank, S.S.B. at a glance
Approval is 0.7 points above the 84.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 86% | 208 / 242 | 88% | $355K | 184 |
| Cash-out refinance | 50% | 13 / 26 | 92% | $205K | 12 |
| Refinance | 71% | 22 / 31 | 86% | $295K | 19 |
| Investment property purchase | 97% | 66 / 68 | 97% | $145K | 64 |
SouthStar Bank, S.S.B. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 84% | $355K | 361 | 273 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Questions about SouthStar Bank, S.S.B.
What is SouthStar Bank, S.S.B.'s mortgage approval rate?
SouthStar Bank, S.S.B. approved 85.0% of the 399 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.7 points above the 84.3% national rate for the same mix of loan types.
How often do borrowers take the loan SouthStar Bank, S.S.B. offers?
Borrowers accepted 91% of the loans SouthStar Bank, S.S.B. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does SouthStar Bank, S.S.B. make?
The typical home purchase mortgage loan SouthStar Bank, S.S.B. made was $355K; across all loan types its typical loan ran from $145K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does SouthStar Bank, S.S.B. lend?
SouthStar Bank, S.S.B. decided applications in 20 of the states Fat Boy Data covers, most of them in Texas, Tennessee and Alabama.
Can I apply to SouthStar Bank, S.S.B. directly?
Yes. SouthStar Bank, S.S.B. is a bank or credit union with 16 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show SouthStar Bank, S.S.B.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how SouthStar Bank, S.S.B. treats applications, then get a rate quote from the lender.