SouthState Bank, National Association mortgage approval rate & lending review
SouthState Bank, National Association decided 30,870 mortgage applications and funded 23,886 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions SouthState Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
SouthState Bank, National Association at a glance
Approval is 0.0 points above the 79.3% 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 | 85% | 14,070 / 16,574 | 98% | $285K | 13,763 |
| Home improvement loans | 69% | 5,672 / 8,214 | 98% | $105K | 5,548 |
| Cash-out refinance | 76% | 440 / 579 | 98% | $305K | 430 |
| Refinance | 73% | 2,113 / 2,899 | 97% | $205K | 2,045 |
| Investment property purchase | 87% | 1,911 / 2,191 | 97% | $265K | 1,851 |
| Investment cash-out refinance | 61% | 43 / 70 | 100% | $245K | 43 |
| Investment refinance | 73% | 113 / 155 | 89% | $475K | 101 |
| Investment home improvement | 59% | 110 / 188 | 95% | $195K | 105 |
SouthState Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 75% | $265K | 10,550 | 7,757 |
| South Carolina | 79% | $285K | 8,826 | 6,722 |
| Georgia | 85% | $395K | 4,707 | 3,974 |
| Alabama | 82% | $145K | 3,070 | 2,479 |
| North Carolina | 82% | $205K | 2,657 | 2,112 |
| Texas | 84% | $355K | 476 | 392 |
| Virginia | 84% | $355K | 271 | 228 |
| Colorado | 75% | $105K | 177 | 130 |
| Tennessee | 97% | $415K | 38 | 36 |
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.
Where SouthState Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, AL | Mortgage lenders | 84% | 1,337 | 1,105 |
| Richmond County, GA | Mortgage lenders | 91% | 717 | 644 |
| Polk County, FL | Mortgage lenders | 78% | 733 | 570 |
| Charleston County, SC | Home improvement loans | 69% | 744 | 506 |
| Charleston County, SC | Mortgage lenders | 89% | 563 | 495 |
| Fulton County, GA | Mortgage lenders | 93% | 503 | 462 |
| Orange County, FL | Mortgage lenders | 82% | 545 | 441 |
| Columbia County, GA | Mortgage lenders | 97% | 438 | 418 |
| Mecklenburg County, NC | Mortgage lenders | 90% | 434 | 389 |
| Greenville County, SC | Mortgage lenders | 93% | 396 | 363 |
| DeKalb County, GA | Mortgage lenders | 94% | 342 | 317 |
| Mecklenburg County, NC | Home improvement loans | 84% | 378 | 311 |
The county markets where SouthState Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about SouthState Bank, National Association
What is SouthState Bank, National Association's mortgage approval rate?
SouthState Bank, National Association approved 79.3% of the 30,870 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.0 points above the 79.3% national rate for the same mix of loan types.
How often do borrowers take the loan SouthState Bank, National Association offers?
Borrowers accepted 98% of the loans SouthState Bank, National Association 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 SouthState Bank, National Association make?
The typical home purchase mortgage loan SouthState Bank, National Association made was $285K; across all loan types its typical loan ran from $105K to $475K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does SouthState Bank, National Association lend?
SouthState Bank, National Association decided applications in 36 of the states Fat Boy Data covers, most of them in Florida, South Carolina and Georgia.
Can I apply to SouthState Bank, National Association directly?
Yes. SouthState Bank, National Association is a bank or credit union with 363 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show SouthState Bank, National Association'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 SouthState Bank, National Association treats applications, then get a rate quote from the lender.