Lender in South Carolina · HMDA 2025
First Federal Bank mortgages in South Carolina
First Federal Bank's 2025 home-purchase and refinance lending in South Carolina, compared with all lenders in the state.
First Federal Bank originated 273 owner-occupied single-family loans in South Carolina from 307 completed applications.
Its median conventional purchase loan costs were $4,670 versus $5,190 for all South Carolina lenders, at a median 30-year fixed rate of 6.49% (South Carolina: 6.624%).
Loans in SC
273
of 307 applications
Denial rate
9.1%
Purchase · SC 8.8%
Rate spread
+0.07 pts
Conv. · SC +0.12 pts
Loan amount
$285,000
Purchase · SC $295,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 265 | 241 | 9.1% | 6.490% | +0.07 pts | $4,670 | $285,000 |
| Refinance | 27 | 21 | 22.2% | — | — | — | $385,000 |
| Cash-out refinance | 15 | 11 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
South Carolina counties where First Federal Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Chester County | 6 | 21 | 3.9% |
| York County | 9 | 132 | 2.2% |
| Lancaster County | 16 | 32 | 1.3% |
| Fairfield County | 16 | 4 | 2.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology