SouthState Bank in Texas vs the state
18.5%Denial rate-0.94 pts vs state
22.1%Decision denial rate-2.79 pts vs state
63.9%Origination rate+8.99 pts vs state
6.50%Median rate0.00 pts vs state
-0.04Rate spread (pts)-0.23 pts vs state
$131kMedian applicant income
449Loans originated
130Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 4 | 14.3% | 6.63% | #1,056 |
| 2024 | 10 | 6 | 10.0% | 6.56% | #977 |
| 2025 | 703 | 449 | 18.5% | 6.50% | #213 |
What SouthState Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most SouthState Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 159 | 104 | 32 | 20.1% |
| Harris County | 73 | 47 | 11 | 15.1% |
| Collin County | 56 | 35 | 18 | 32.1% |
| Travis County | 55 | 36 | 7 | 12.7% |
| Grayson County | 49 | 23 | 12 | 24.5% |
| Denton County | 41 | 23 | 9 | 22.0% |
| Rockwall County | 26 | 18 | 4 | 15.4% |
| Tarrant County | 24 | 19 | 3 | 12.5% |
| Hunt County | 24 | 22 | 1 | 4.2% |
| Ellis County | 23 | 12 | 6 | 26.1% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 703 applications in 2025, of which 449 were originated and 130 denied.
18.5% of all applications, or 22.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans SouthState Bank originated in Texas 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 Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology