Lender in South Carolina · HMDA 2025
First Reliance Bank mortgages in South Carolina
First Reliance Bank's 2025 home-purchase and refinance lending in South Carolina, compared with all lenders in the state.
First Reliance Bank originated 724 owner-occupied single-family loans in South Carolina from 756 completed applications.
Its median conventional purchase loan costs were $4,350 versus $5,190 for all South Carolina lenders, at a median 30-year fixed rate of 6.625% (South Carolina: 6.624%).
Loans in SC
724
of 756 applications
Denial rate
3.3%
Purchase · SC 8.8%
Rate spread
+0.13 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 | 635 | 614 | 3.3% | 6.625% | +0.13 pts | $4,350 | $285,000 |
| Refinance | 71 | 66 | 7.0% | 6.375% | −0.02 pts | $3,550 | $365,000 |
| Cash-out refinance | 50 | 44 | 12.0% | 6.625% | +0.27 pts | $3,910 | $195,000 |
*Conventional loans only; medians with at least 20 loans.
South Carolina counties where First Reliance Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Florence County | 6 | 74 | 5.0% |
| Marion County | 7 | 7 | 4.0% |
| Darlington County | 12 | 12 | 2.1% |
| Greenville County | 16 | 143 | 1.6% |
| Lexington County | 17 | 83 | 1.5% |
| Richland County | 20 | 107 | 1.5% |
| Williamsburg County | 20 | 2 | 1.8% |
| Charleston County | 22 | 83 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology