SouthState Bank in Alabama vs the state
17.8%Denial rate-2.08 pts vs state
20.8%Decision denial rate-4.24 pts vs state
66.6%Origination rate+11.18 pts vs state
6.50%Median rate0.00 pts vs state
-0.07Rate spread (pts)-0.36 pts vs state
$82kMedian applicant income
918Loans originated
245Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,184 | 753 | 16.6% | 6.88% | #36 |
| 2024 | 1,860 | 1,211 | 18.3% | 6.75% | #26 |
| 2025 | 1,379 | 918 | 17.8% | 6.50% | #37 |
What SouthState Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most SouthState Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 591 | 393 | 99 | 16.8% |
| Baldwin County | 193 | 147 | 14 | 7.3% |
| Madison County | 160 | 119 | 23 | 14.4% |
| Lee County | 140 | 86 | 38 | 27.1% |
| Limestone County | 53 | 32 | 6 | 11.3% |
| Chambers County | 47 | 28 | 14 | 29.8% |
| Shelby County | 38 | 24 | 11 | 28.9% |
| Morgan County | 17 | 14 | 0 | 0.0% |
| Walker County | 15 | 3 | 8 | 53.3% |
| Montgomery County | 12 | 4 | 5 | 41.7% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 1,379 applications in 2025, of which 918 were originated and 245 denied.
17.8% of all applications, or 20.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans SouthState Bank originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are SouthState Bank's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology