First Federal Bank in South Carolina vs the state
8.7%Denial rate-9.58 pts vs state
11.6%Decision denial rate-11.89 pts vs state
66.7%Origination rate+10.06 pts vs state
6.25%Median rate-0.25 pts vs state
0.05Rate spread (pts)-0.17 pts vs state
$99kMedian applicant income
336Loans originated
44Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 368 | 251 | 11.4% | 6.50% | #106 |
| 2024 | 468 | 335 | 7.1% | 6.38% | #94 |
| 2025 | 504 | 336 | 8.7% | 6.25% | #97 |
What First Federal 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 Federal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 206 | 150 | 11 | 5.3% |
| Lancaster County | 50 | 34 | 5 | 10.0% |
| Chester County | 38 | 28 | 5 | 13.2% |
| Richland County | 27 | 18 | 2 | 7.4% |
| Beaufort County | 25 | 15 | 5 | 20.0% |
| Charleston County | 20 | 11 | 1 | 5.0% |
| Horry County | 17 | 11 | 1 | 5.9% |
| Greenville County | 16 | 7 | 2 | 12.5% |
| Berkeley County | 11 | 7 | 1 | 9.1% |
| Anderson County | 11 | 4 | 2 | 18.2% |
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: 504 applications in 2025, of which 336 were originated and 44 denied.
8.7% of all applications, or 11.6% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans First Federal Bank originated in South Carolina in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are First Federal 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