SouthState Bank in South Carolina vs the state
21.6%Denial rate+3.28 pts vs state
24.4%Decision denial rate+0.91 pts vs state
64.7%Origination rate+8.13 pts vs state
6.85%Median rate+0.35 pts vs state
0.32Rate spread (pts)+0.10 pts vs state
$114kMedian applicant income
2,816Loans originated
939Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,240 | 3,309 | 21.4% | 7.06% | #9 |
| 2024 | 4,499 | 2,804 | 22.9% | 7.25% | #10 |
| 2025 | 4,350 | 2,816 | 21.6% | 6.85% | #13 |
What SouthState Bank lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most SouthState Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Charleston County | 658 | 426 | 134 | 20.4% |
| Beaufort County | 422 | 256 | 112 | 26.5% |
| Greenville County | 383 | 292 | 45 | 11.7% |
| Horry County | 322 | 197 | 91 | 28.3% |
| York County | 308 | 233 | 46 | 14.9% |
| Anderson County | 206 | 156 | 21 | 10.2% |
| Berkeley County | 205 | 115 | 62 | 30.2% |
| Richland County | 182 | 115 | 26 | 14.3% |
| Pickens County | 170 | 117 | 29 | 17.1% |
| Oconee County | 154 | 108 | 23 | 14.9% |
Other large lenders in South Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,403 | 16.8% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 12,272 | 40.7% | 6.50% |
| United Shore Financial Services | B | 9,236 | 12.8% | 6.13% |
| 21st Mortgage | F | 6,510 | 48.2% | 10.41% |
| Dhi Mortgage Company | B | 6,184 | 17.4% | 4.99% |
| Navy Federal Credit Union | D | 5,424 | 21.2% | 7.50% |
| First-Citizens Bank & Trust | B | 5,399 | 20.9% | 6.38% |
| Freedom Mortgage | B | 5,296 | 7.3% | 6.25% |
| Mortgage Research Center | C | 5,189 | 19.1% | 6.25% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
Frequently asked questions
South Carolina: 4,350 applications in 2025, of which 2,816 were originated and 939 denied.
21.6% of all applications, or 24.4% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans SouthState Bank originated in South Carolina in 2025 was 6.85%, against a statewide median of 6.50%.
About this data. Figures are SouthState Bank's own HMDA filing for properties located in South Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology