First Savings Bank in South Carolina vs the state
31.8%Denial rate+13.51 pts vs state
33.3%Decision denial rate+9.86 pts vs state
59.1%Origination rate+2.48 pts vs state
7.63%Median rate+1.13 pts vs state
0.39Rate spread (pts)+0.17 pts vs state
$144kMedian applicant income
13Loans originated
7Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 89 | 56 | 6.7% | 6.81% | #248 |
| 2024 | 34 | 13 | 47.1% | 7.38% | #379 |
| 2025 | 22 | 13 | 31.8% | 7.63% | #431 |
What First Savings 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 Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richland County | 4 | 1 | 3 | 75.0% |
| Spartanburg County | 3 | 2 | 1 | 33.3% |
| Charleston County | 3 | 2 | 0 | 0.0% |
| Aiken County | 3 | 2 | 1 | 33.3% |
| Lancaster County | 2 | 1 | 0 | 0.0% |
| Berkeley County | 1 | 1 | 0 | 0.0% |
| Sumter County | 1 | 1 | 0 | 0.0% |
| Greenwood County | 1 | 1 | 0 | 0.0% |
| Greenville County | 1 | 0 | 1 | 100.0% |
| York County | 1 | 0 | 1 | 100.0% |
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: 22 applications in 2025, of which 13 were originated and 7 denied.
31.8% of all applications, or 33.3% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans First Savings Bank originated in South Carolina in 2025 was 7.63%, against a statewide median of 6.50%.
About this data. Figures are First Savings 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