First-Citizens Bank & Trust in South Carolina vs the state
20.9%Denial rate+2.55 pts vs state
23.3%Decision denial rate-0.16 pts vs state
66.3%Origination rate+9.64 pts vs state
6.38%Median rate-0.13 pts vs state
-0.05Rate spread (pts)-0.27 pts vs state
$125kMedian applicant income
3,577Loans originated
1,126Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,567 | 3,601 | 23.4% | 6.49% | #5 |
| 2024 | 5,736 | 3,727 | 22.8% | 6.02% | #5 |
| 2025 | 5,399 | 3,577 | 20.9% | 6.38% | #7 |
What First-Citizens Bank & Trust 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-Citizens Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Charleston County | 698 | 486 | 132 | 18.9% |
| Richland County | 653 | 453 | 114 | 17.5% |
| Lexington County | 434 | 289 | 81 | 18.7% |
| Greenville County | 428 | 282 | 90 | 21.0% |
| Spartanburg County | 390 | 263 | 82 | 21.0% |
| Horry County | 246 | 148 | 55 | 22.4% |
| York County | 244 | 171 | 44 | 18.0% |
| Berkeley County | 241 | 151 | 54 | 22.4% |
| Beaufort County | 239 | 152 | 56 | 23.4% |
| Anderson County | 172 | 122 | 26 | 15.1% |
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% |
| 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% |
| Pennymac Loan Services | C | 4,524 | 11.3% | 6.25% |
Frequently asked questions
South Carolina: 5,399 applications in 2025, of which 3,577 were originated and 1,126 denied.
20.9% of all applications, or 23.3% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans First-Citizens Bank & Trust originated in South Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are First-Citizens Bank & Trust'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