First National Bank of America in South Carolina vs the state
12.0%Denial rate-6.28 pts vs state
14.4%Decision denial rate-9.08 pts vs state
70.3%Origination rate+13.64 pts vs state
9.13%Median rate+2.63 pts vs state
2.87Rate spread (pts)+2.65 pts vs state
$126kMedian applicant income
111Loans originated
19Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 182 | 142 | 9.9% | 10.18% | #174 |
| 2024 | 236 | 167 | 11.9% | 9.75% | #153 |
| 2025 | 158 | 111 | 12.0% | 9.13% | #204 |
What First National Bank of America 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 National Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Beaufort County | 28 | 28 | 0 | 0.0% |
| Berkeley County | 27 | 21 | 1 | 3.7% |
| Lexington County | 14 | 7 | 2 | 14.3% |
| Jasper County | 13 | 12 | 1 | 7.7% |
| Horry County | 13 | 11 | 0 | 0.0% |
| Charleston County | 12 | 6 | 2 | 16.7% |
| Dorchester County | 9 | 5 | 2 | 22.2% |
| Greenville County | 8 | 2 | 3 | 37.5% |
| York County | 7 | 5 | 1 | 14.3% |
| Richland County | 6 | 3 | 1 | 16.7% |
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: 158 applications in 2025, of which 111 were originated and 19 denied.
12.0% of all applications, or 14.4% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans First National Bank of America originated in South Carolina in 2025 was 9.13%, against a statewide median of 6.50%.
About this data. Figures are First National Bank of America'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