First Bank in South Carolina vs the state
16.9%Denial rate-1.46 pts vs state
18.3%Decision denial rate-5.18 pts vs state
74.2%Origination rate+17.55 pts vs state
6.62%Median rate+0.12 pts vs state
0.23Rate spread (pts)+0.01 pts vs state
$112kMedian applicant income
132Loans originated
30Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 244 | 166 | 18.4% | 7.06% | #141 |
| 2024 | 138 | 94 | 24.6% | 7.50% | #204 |
| 2025 | 178 | 132 | 16.9% | 6.62% | #193 |
What First Bank lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most First Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Anderson County | 31 | 26 | 3 | 9.7% |
| Greenville County | 29 | 22 | 7 | 24.1% |
| Florence County | 24 | 16 | 5 | 20.8% |
| Horry County | 14 | 7 | 5 | 35.7% |
| Chesterfield County | 12 | 11 | 1 | 8.3% |
| Charleston County | 8 | 6 | 1 | 12.5% |
| Spartanburg County | 5 | 4 | 1 | 20.0% |
| Dillon County | 5 | 2 | 1 | 20.0% |
| Darlington County | 5 | 5 | 0 | 0.0% |
| Georgetown County | 4 | 3 | 0 | 0.0% |
Other large lenders in South Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,403 | 16.8% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 12,272 | 40.7% | 6.50% |
| United Shore Financial Services | B | 9,236 | 12.8% | 6.13% |
| 21st Mortgage | F | 6,510 | 48.2% | 10.41% |
| Dhi Mortgage Company | B | 6,184 | 17.4% | 4.99% |
| Navy Federal Credit Union | D | 5,424 | 21.2% | 7.50% |
| First-Citizens Bank & Trust | B | 5,399 | 20.9% | 6.38% |
| Freedom Mortgage | B | 5,296 | 7.3% | 6.25% |
| Mortgage Research Center | C | 5,189 | 19.1% | 6.25% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
Frequently asked questions
South Carolina: 178 applications in 2025, of which 132 were originated and 30 denied.
16.9% of all applications, or 18.3% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans First Bank originated in South Carolina in 2025 was 6.62%, against a statewide median of 6.50%.
About this data. Figures are First Bank's own HMDA filing for properties located in South Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology