Lender in North Carolina · HMDA 2025
SouthState Bank, N.A. mortgages in North Carolina
SouthState Bank, N.A.'s 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
SouthState Bank, N.A. originated 310 owner-occupied single-family loans in North Carolina from 338 completed applications.
Its median conventional purchase loan costs were $4,880 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
310
of 338 applications
Denial rate
9.2%
Purchase · NC 7.6%
Rate spread
+0.05 pts
Conv. · NC +0.04 pts
Loan amount
$355,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 284 | 258 | 9.2% | 6.625% | +0.05 pts | $4,880 | $355,000 |
| Refinance | 31 | 31 | 0.0% | — | −0.19 pts | $3,930 | $655,000 |
| Cash-out refinance | 23 | 21 | 8.7% | — | — | — | $405,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where SouthState Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Clay County | 15 | 3 | 2.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology