Lender in Georgia · HMDA 2025
SouthState Bank, N.A. mortgages in Georgia
SouthState Bank, N.A.'s 2025 home-purchase and refinance lending in Georgia, compared with all lenders in the state.
SouthState Bank, N.A. originated 988 owner-occupied single-family loans in Georgia from 1,064 completed applications.
Its median conventional purchase loan costs were $5,600 versus $6,350 for all Georgia lenders, at a median 30-year fixed rate of 6.625% (Georgia: 6.624%).
Loans in GA
988
of 1,064 applications
Denial rate
5.6%
Purchase · GA 9.9%
Rate spread
+0.04 pts
Conv. · GA +0.13 pts
Loan amount
$335,000
Purchase · GA $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 930 | 875 | 5.6% | 6.625% | +0.04 pts | $5,600 | $335,000 |
| Refinance | 82 | 69 | 13.4% | — | −0.21 pts | $5,690 | $605,000 |
| Cash-out refinance | 52 | 44 | 15.4% | 6.875% | +0.22 pts | $5,400 | $355,000 |
*Conventional loans only; medians with at least 20 loans.
Georgia counties where SouthState Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Richmond County | 2 | 167 | 7.6% |
| Columbia County | 5 | 160 | 4.9% |
| Habersham County | 6 | 24 | 3.7% |
| Union County | 6 | 13 | 3.0% |
| Lincoln County | 7 | 4 | 3.7% |
| Towns County | 9 | 5 | 2.6% |
| Glascock County | 10 | 1 | 5.6% |
| Chatham County | 13 | 74 | 1.6% |
| White County | 15 | 6 | 1.5% |
| Irwin County | 16 | 1 | 2.4% |
| Stephens County | 18 | 5 | 1.3% |
| Jefferson County | 18 | 2 | 2.0% |
| Warren County | 19 | 1 | 3.2% |
| Burke County | 21 | 2 | 1.2% |
| Elbert County | 21 | 2 | 1.3% |
| McIntosh County | 22 | 3 | 1.5% |
| Fulton County | 24 | 150 | 1.1% |
| Banks County | 24 | 3 | 1.1% |
| Hart County | 25 | 3 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology