Southern First Bank in South Carolina vs the state
1.7%Denial rate-16.57 pts vs state
2.0%Decision denial rate-21.50 pts vs state
85.6%Origination rate+28.94 pts vs state
6.88%Median rate+0.38 pts vs state
0.18Rate spread (pts)-0.04 pts vs state
$170kMedian applicant income
1,030Loans originated
21Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,034 | 876 | 2.0% | 6.99% | #47 |
| 2024 | 1,037 | 853 | 2.7% | 7.13% | #48 |
| 2025 | 1,204 | 1,030 | 1.7% | 6.88% | #48 |
What Southern First 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 Southern First Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greenville County | 683 | 600 | 6 | 0.9% |
| Charleston County | 133 | 108 | 5 | 3.8% |
| Spartanburg County | 84 | 70 | 2 | 2.4% |
| Anderson County | 78 | 69 | 0 | 0.0% |
| Richland County | 40 | 34 | 2 | 5.0% |
| Pickens County | 34 | 27 | 1 | 2.9% |
| Dorchester County | 31 | 26 | 2 | 6.5% |
| Berkeley County | 29 | 23 | 1 | 3.4% |
| Lexington County | 19 | 12 | 1 | 5.3% |
| Oconee County | 14 | 12 | 0 | 0.0% |
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: 1,204 applications in 2025, of which 1,030 were originated and 21 denied.
1.7% of all applications, or 2.0% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Southern First Bank originated in South Carolina in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Southern First 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