Lenders › SouthState Bank, N.A. › South Carolina
SouthState Bank, N.A. in South Carolina
HMDA record for properties in South Carolina, calendar year 2024. National record · South Carolina overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In South Carolina, SouthState Bank, N.A. reported 4,499 applications and 2,804 originations for 2024, $812m in all.
Its denial rate in the state was 26.1%, close to the South Carolina rate of 25.2% across all lenders and compared with the lender's national rate of 25.4%.
The median rate spread on its South Carolina originations was 0.5 percentage points (state median 0.3).
Applications in the state were down 14% on 2023.
Compared with the state and the lender's national record
| Measure | In South Carolina | South Carolina, all lenders | SouthState Bank, N.A., all states | United States |
|---|---|---|---|---|
| Denial rate | 26.1% | 25.2% | 25.4% | 24.3% |
| Median rate spread, pp | 0.5 | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.9% | 15.5% | 4.5% | 15.6% |
| Average originated loan | $290k | $296k | $295k | $329k |
| Home purchase share | 48.3% | 62.8% | 61.8% | 57.0% |
| FHA-insured share | 4.4% | 16.5% | 5.6% | 13.4% |
| VA-guaranteed share | 1.9% | 12.9% | 2.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateSouth Carolina, all lenders
Loan purpose and loan type in South Carolina
By purpose
Home purchase 48% (1,353)Home improvement 28% (798)Refinancing 10% (269)Cash-out refinancing 2% (69)Other purpose 11% (315)
By type
Conventional 93% (2,620)FHA 4% (124)VA 2% (53)USDA 0% (7)
Denial reasons as coded
Share of 1,032 denials in South Carolina by first denial reason coded (outlined bar: all lenders in the state).
Counties in South Carolina
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Charleston County | 702 | 447 | $169m | 25.1% |
| Greenville County | 358 | 264 | $78m | 14.6% |
| York County | 326 | 221 | $56m | 22.1% |
| Beaufort County | 371 | 204 | $92m | 33.6% |
| Horry County | 332 | 191 | $34m | 33.6% |
| Anderson County | 229 | 177 | $40m | 12.5% |
| Richland County | 228 | 157 | $41m | 20.1% |
| Pickens County | 152 | 121 | $29m | 11.6% |
| Oconee County | 168 | 114 | $48m | 20.1% |
| Spartanburg County | 161 | 110 | $23m | 22.4% |
| Berkeley County | 212 | 105 | $27m | 36.9% |
| Lexington County | 154 | 98 | $18m | 22.1% |
| Aiken County | 136 | 91 | $22m | 22.8% |
| Dorchester County | 149 | 73 | $53m | 37.3% |
| Georgetown County | 80 | 59 | $16m | 17.1% |
| Florence County | 102 | 52 | $7.5m | 35.9% |
| Greenwood County | 64 | 43 | $7.1m | 28.3% |
| Orangeburg County | 73 | 37 | $6.6m | 33.3% |
| Jasper County | 51 | 31 | $7.8m | 20.9% |
| Lancaster County | 44 | 26 | $4.6m | 29.7% |
| Colleton County | 60 | 20 | $3.8m | 50.9% |
| Laurens County | 28 | 19 | $3.5m | 25.0% |
| Union County | 25 | 13 | $1.3m | — |
| Sumter County | 28 | 4 | $600k | 57.7% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did SouthState Bank, N.A. originate in South Carolina in 2024?
2,804 loans totalling $812m, from 4,499 applications reported for properties in South Carolina.
What is SouthState Bank, N.A.'s denial rate in South Carolina?
26.1% of decided applications in South Carolina were denied, against 25.2% for all lenders in the state and 25.4% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which South Carolina counties does SouthState Bank, N.A. lend in most?
By originations: Charleston County (447), Greenville County (264), York County (221), Beaufort County (204), Horry County (191).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in South Carolina. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.