First Palmetto Bank in South Carolina vs the state
4.6%Denial rate-13.68 pts vs state
5.3%Decision denial rate-18.21 pts vs state
83.2%Origination rate+26.59 pts vs state
6.50%Median rate0.00 pts vs state
0.22Rate spread (pts)0.00 pts vs state
$108kMedian applicant income
431Loans originated
24Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 595 | 528 | 3.4% | 6.75% | #76 |
| 2024 | 563 | 488 | 3.6% | 6.63% | #79 |
| 2025 | 518 | 431 | 4.6% | 6.50% | #95 |
What First Palmetto 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 Palmetto Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richland County | 152 | 124 | 5 | 3.3% |
| Lexington County | 103 | 92 | 5 | 4.9% |
| Kershaw County | 60 | 50 | 3 | 5.0% |
| Greenville County | 58 | 48 | 2 | 3.4% |
| Horry County | 30 | 21 | 5 | 16.7% |
| Spartanburg County | 16 | 14 | 0 | 0.0% |
| Aiken County | 15 | 14 | 0 | 0.0% |
| Charleston County | 14 | 11 | 0 | 0.0% |
| Orangeburg County | 9 | 6 | 1 | 11.1% |
| Berkeley County | 6 | 5 | 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: 518 applications in 2025, of which 431 were originated and 24 denied.
4.6% of all applications, or 5.3% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans First Palmetto Bank originated in South Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are First Palmetto 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