SouthState Bank in Georgia vs the state
15.5%Denial rate-3.70 pts vs state
18.3%Decision denial rate-6.81 pts vs state
68.4%Origination rate+14.35 pts vs state
6.59%Median rate-0.04 pts vs state
0.05Rate spread (pts)-0.22 pts vs state
$120kMedian applicant income
1,856Loans originated
421Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,837 | 1,873 | 17.5% | 6.88% | #36 |
| 2024 | 2,735 | 1,827 | 18.5% | 6.98% | #39 |
| 2025 | 2,712 | 1,856 | 15.5% | 6.59% | #40 |
What SouthState Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most SouthState Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richmond County | 382 | 279 | 36 | 9.4% |
| Fulton County | 339 | 236 | 33 | 9.7% |
| Columbia County | 302 | 232 | 23 | 7.6% |
| Chatham County | 212 | 160 | 31 | 14.6% |
| DeKalb County | 191 | 135 | 21 | 11.0% |
| Cobb County | 162 | 107 | 24 | 14.8% |
| Gwinnett County | 104 | 78 | 13 | 12.5% |
| Habersham County | 95 | 62 | 20 | 21.1% |
| Troup County | 75 | 39 | 24 | 32.0% |
| Hall County | 50 | 31 | 16 | 32.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 2,712 applications in 2025, of which 1,856 were originated and 421 denied.
15.5% of all applications, or 18.3% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans SouthState Bank originated in Georgia in 2025 was 6.59%, against a statewide median of 6.63%.
About this data. Figures are SouthState Bank's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology