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
Promptness
Not enough data
—/5
No quote responses measured yet
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
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
3,515 loans · 0.22% above market
Exceptional
Top 20% of lenders
5/5
FHA
521 loans · 0.34% above market
Strong
Top 40% of lenders
4/5
VA
222 loans · 0.43% below market
Strong
Top 40% of lenders
4/5
Jumbo
259 loans · 0.13% above market
Exceptional
Top 20% of lenders
5/5
USDA
26 loans · 0.08% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
4,290 loans · 0.20% above market
Exceptional
Top 20% of lenders
5/5
Refinance
253 loans · 0.19% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 45 markets
Strong
Top 40% of lenders
4/5
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
24Full-year 2024 · HMDALoans originated
< 100100–200200–500500–1,0001,000+None
Northeast3
NYPAVT
Midwest5
ILINMNNEOH
South13
ALDEFLGAKYMDMSNCSCTNTXVAWV
West3
COUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 44 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.