SouthState Bank in North Carolina vs the state
17.8%Denial rate-0.28 pts vs state
19.8%Decision denial rate-3.00 pts vs state
69.6%Origination rate+11.81 pts vs state
6.59%Median rate+0.09 pts vs state
-0.15Rate spread (pts)-0.23 pts vs state
$139kMedian applicant income
928Loans originated
237Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,366 | 891 | 19.0% | 6.88% | #62 |
| 2024 | 1,302 | 846 | 19.3% | 7.00% | #65 |
| 2025 | 1,333 | 928 | 17.8% | 6.59% | #72 |
What SouthState Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most SouthState Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 412 | 292 | 65 | 15.8% |
| Gaston County | 180 | 123 | 37 | 20.6% |
| Union County | 95 | 59 | 21 | 22.1% |
| Wake County | 87 | 65 | 13 | 14.9% |
| Brunswick County | 71 | 48 | 13 | 18.3% |
| Rowan County | 60 | 40 | 14 | 23.3% |
| New Hanover County | 59 | 48 | 8 | 13.6% |
| Iredell County | 50 | 37 | 9 | 18.0% |
| Cabarrus County | 37 | 26 | 5 | 13.5% |
| Durham County | 17 | 12 | 2 | 11.8% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 1,333 applications in 2025, of which 928 were originated and 237 denied.
17.8% of all applications, or 19.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans SouthState Bank originated in North Carolina in 2025 was 6.59%, against a statewide median of 6.50%.
About this data. Figures are SouthState Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology