SouthState Bank in Tennessee vs the state
10.0%Denial rate-7.14 pts vs state
11.8%Decision denial rate-9.92 pts vs state
75.0%Origination rate+16.92 pts vs state
6.36%Median rate-0.26 pts vs state
-0.06Rate spread (pts)-0.29 pts vs state
$217kMedian applicant income
30Loans originated
4Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 14 | 20.0% | 6.56% | #516 |
| 2024 | 35 | 21 | 28.6% | 6.63% | #442 |
| 2025 | 40 | 30 | 10.0% | 6.36% | #447 |
What SouthState Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most SouthState Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sevier County | 7 | 4 | 1 | 14.3% |
| Knox County | 6 | 5 | 0 | 0.0% |
| Davidson County | 4 | 2 | 0 | 0.0% |
| Shelby County | 3 | 3 | 0 | 0.0% |
| Wilson County | 3 | 2 | 1 | 33.3% |
| Williamson County | 3 | 2 | 0 | 0.0% |
| McNairy County | 2 | 0 | 2 | 100.0% |
| Sumner County | 2 | 2 | 0 | 0.0% |
| Roane County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 40 applications in 2025, of which 30 were originated and 4 denied.
10.0% of all applications, or 11.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans SouthState Bank originated in Tennessee in 2025 was 6.36%, against a statewide median of 6.62%.
About this data. Figures are SouthState Bank's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology