First National Bank of Pennsylvania in South Carolina vs the state
15.2%Denial rate-3.10 pts vs state
17.1%Decision denial rate-6.34 pts vs state
73.4%Origination rate+16.76 pts vs state
6.38%Median rate-0.13 pts vs state
-0.07Rate spread (pts)-0.29 pts vs state
$187kMedian applicant income
598Loans originated
124Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 621 | 406 | 21.6% | 6.50% | #71 |
| 2024 | 730 | 544 | 14.9% | 6.63% | #70 |
| 2025 | 815 | 598 | 15.2% | 6.38% | #70 |
What First National Bank of Pennsylvania 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 Pennsylvania applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Charleston County | 208 | 154 | 21 | 10.1% |
| York County | 139 | 102 | 27 | 19.4% |
| Greenville County | 113 | 81 | 19 | 16.8% |
| Horry County | 79 | 67 | 9 | 11.4% |
| Lancaster County | 44 | 28 | 11 | 25.0% |
| Berkeley County | 38 | 27 | 7 | 18.4% |
| Dorchester County | 25 | 21 | 1 | 4.0% |
| Beaufort County | 21 | 13 | 3 | 14.3% |
| Richland County | 20 | 17 | 0 | 0.0% |
| Spartanburg County | 18 | 12 | 3 | 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: 815 applications in 2025, of which 598 were originated and 124 denied.
15.2% of all applications, or 17.1% 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 Pennsylvania originated in South Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are First National Bank of Pennsylvania'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