We analyzed every closed loan from SouthState Bank — 4.5k loans across 6k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 44 mkts
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
SouthState Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+20.0 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
USDA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 45 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,515 | 77.4% | +0.221%Above | $2,294Fees | ||||
FHA Loans | 521 | 11.5% | +0.336%Above | $2,443Fees | ||||
VA Loans | 222 | 4.9% | -0.433%Below | $1,383Fees | ||||
Jumbo Loans | 259 | 5.7% | +0.128%Above | $1,516Fees | ||||
USDA Loans | — | 26 | 0.6% | -0.080%Below | $2,491Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume3,515
Mix77.4%
Spread
+0.221%Above
Fees
$2,294Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume521
Mix11.5%
Spread
+0.336%Above
Fees
$2,443Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume222
Mix4.9%
Spread
-0.433%Below
Fees
$1,383Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume259
Mix5.7%
Spread
+0.128%Above
Fees
$1,516Fees
USDA Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume26
Mix0.6%
Spread
-0.080%Below
Fees
$2,491Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 4,290 | 94.4% | +0.200%Above | $2,237Fees | ||||
Refinance | 253 | 5.6% | +0.188%Above | $2,159Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume4,290
Mix94.4%
Spread
+0.200%Above
Fees
$2,237Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume253
Mix5.6%
Spread
+0.188%Above
Fees
$2,159Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,543
Applications
6,356
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.200%
vs. market APOR
Avg Net Fees
$2,232
Origination − Credits
Pullthrough Rate
71.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$380,890
Avg Borrower Income
$165,495
Avg Property Value
$488,760
Geographic Coverage
Geographic Performance
Metro Areas
44
markets with activity
States Served
24
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
24Northeast3
NYPAVT
Midwest5
ILINMNNEOH
South13
ALDEFLGAKYMDMSNCSCTNTXVAWV
West3
COUTWA
Top Metro Areas by Place Specialization Score
Volume 360Mix 7.92% of portfolio
97/100
Exceptional
Volume 394Mix 8.67% of portfolio
93/100
Exceptional
Volume 83Mix 1.83% of portfolio
89/100
Exceptional
Volume 235Mix 5.17% of portfolio
85/100
Exceptional
Volume 241Mix 5.30% of portfolio
85/100
Exceptional
Volume 404Mix 8.89% of portfolio
78/100
Strong
Volume 283Mix 6.23% of portfolio
77/100
Strong
Volume 102Mix 2.25% of portfolio
77/100
Strong
Volume 133Mix 2.93% of portfolio
77/100
Strong
Volume 95Mix 2.09% of portfolio
76/100
StrongShowing 10 of 44 metro areas
Top States by Place Specialization Score
1
South CarolinaState
Volume 1,165Mix 25.64% of portfolio
92/100
Exceptional2
AlabamaState
Volume 677Mix 14.90% of portfolio
87/100
Exceptional3
GeorgiaState
Volume 1,005Mix 22.12% of portfolio
83/100
Exceptional4
FloridaState
Volume 1,255Mix 27.62% of portfolio
80/100
Strong5
North CarolinaState
Volume 297Mix 6.54% of portfolio
67/100
Strong6
VirginiaState
Volume 96Mix 2.11% of portfolio
59/100
Sound7
TennesseeState
Volume 16Mix 0.35% of portfolio
39/100
AcceptableHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.