Lender in South Carolina · HMDA 2025
Southern First Bank mortgages in South Carolina
Southern First Bank's 2025 home-purchase and refinance lending in South Carolina, compared with all lenders in the state.
Southern First Bank originated 581 owner-occupied single-family loans in South Carolina from 597 completed applications.
Its median conventional purchase loan costs were $4,160 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
581
of 597 applications
Denial rate
1.2%
Purchase · SC 8.8%
Rate spread
+0.18 pts
Conv. · SC +0.12 pts
Loan amount
$335,000
Purchase · SC $295,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 511 | 500 | 1.2% | 6.625% | +0.18 pts | $4,160 | $335,000 |
| Refinance | 70 | 67 | 2.9% | 6.500% | +0.08 pts | $3,740 | $435,000 |
| Cash-out refinance | 16 | 14 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
South Carolina counties where Southern First Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Greenville County | 5 | 355 | 3.9% |
| Anderson County | 17 | 49 | 1.5% |
| Pickens County | 23 | 19 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology