Compare Mortgage Lenders
Select two lenders to compare side by side using 2023 HMDA federal data: approval rates, denial rates, loan sizes, loan types, and geographic reach.
Key Metrics
| Metric | FIRST STATE BANK | SouthState Bank, N.A. |
|---|---|---|
| Total Applications | 155 | 15,833 ▲ |
| Loans Originated | 155 | 9,816 |
| Approval Rate (higher is better) | 100.0% ✓ | 62.0% |
| Denial Rate (lower is better) | 0.0% ✓ | 21.8% |
| Avg Loan Amount | $161,065 | $278,076 |
| Avg Interest Rate (lower is better) | N/A | 6.705% |
| Avg Applicant Income | N/A | $37,000 |
| Applications Denied | 0 | 3,457 |
| Applications Withdrawn | 0 | 2,125 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | FIRST STATE BANK | SouthState Bank, N.A. |
|---|---|---|
| Conventional | 155 (100.0%) | 14,589 (92.1%) |
| FHA | — | 878 (5.5%) |
| VA | — | 323 (2.0%) |
| USDA | — | 43 (0.3%) |
Loan Purpose Breakdown
| Purpose | FIRST STATE BANK | SouthState Bank, N.A. |
|---|---|---|
| Home Purchase | 71 | 9,203 |
| Refinancing | 68 | 1,221 |
| Home Improvement | 16 | 3,473 |
| Other | — | 1,574 |
| Cash-out Refinancing | — | 362 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| South Carolina | 2,804 | #6 |
Summary
- 155 total applications · 155 originated
- Approval rate: 100.0%
- Denial rate: 0.0%
- Avg loan: $161,065
- HQ: WRENS, GA
- 15,833 total applications · 9,816 originated
- Approval rate: 62.0%
- Denial rate: 21.8%
- Avg loan: $278,076
- Avg rate: 6.705%
- HQ: Winter Haven, FL
Methodology
Comparisons are drawn from the CFPB 2024 HMDA Snapshot National Loan-Level Dataset, published by the Consumer Financial Protection Bureau and distributed via the FFIEC. Every figure on this page comes from lenders' mandatory HMDA filings — not voluntary marketing claims.
Approval (origination) rate = originated ÷ total applications. Denial rate = denied ÷ total applications. Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes. Denial rates reflect a lender's applicant mix as much as its underwriting stance; compare alongside loan-type mix and geography before drawing conclusions.
Side-by-side comparisons are informational only and do not constitute financial, legal, or mortgage advice. Always obtain and compare written Loan Estimates before applying.