First Reliance Bank in South Carolina vs the state
4.3%Denial rate-14.02 pts vs state
5.0%Decision denial rate-18.45 pts vs state
81.3%Origination rate+24.70 pts vs state
6.63%Median rate+0.13 pts vs state
0.13Rate spread (pts)-0.09 pts vs state
$120kMedian applicant income
909Loans originated
48Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 798 | 665 | 6.1% | 6.63% | #60 |
| 2024 | 951 | 797 | 4.6% | 6.63% | #56 |
| 2025 | 1,118 | 909 | 4.3% | 6.63% | #53 |
What First Reliance 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 Reliance Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greenville County | 196 | 161 | 9 | 4.6% |
| Florence County | 163 | 116 | 14 | 8.6% |
| Richland County | 144 | 123 | 3 | 2.1% |
| Charleston County | 125 | 98 | 1 | 0.8% |
| Horry County | 119 | 104 | 6 | 5.0% |
| Lexington County | 112 | 93 | 4 | 3.6% |
| Spartanburg County | 42 | 37 | 1 | 2.4% |
| Anderson County | 38 | 35 | 1 | 2.6% |
| Berkeley County | 23 | 17 | 1 | 4.3% |
| Darlington County | 22 | 16 | 3 | 13.6% |
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: 1,118 applications in 2025, of which 909 were originated and 48 denied.
4.3% of all applications, or 5.0% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans First Reliance Bank originated in South Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are First Reliance 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