First Reliance Bank
First Reliance Bank received 1,537 applications in 2025 and made 1,245 mortgages, in 159 counties across 13 states. The median rate its borrowers got was 6.625% on a median loan of $255,000. Of 1,327 decisions, 81 were denials — 6.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300SLZFPDLWNB0O94 |
|---|---|
| Applications received | 1,537 |
| Mortgages made | 1,245 |
| Denied | 81 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 210 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.152 points |
| FDIC-insured bank | Yes: First Reliance Bank, 11 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,000 | 6.625% | $265,000 | 5.5% |
| Refinancing | 118 | 6.500% | $310,000 | 5.6% |
| Cash-out refinancing | 78 | 6.750% | $195,000 | 16.0% |
| Other purposes | 49 | 6.750% | $155,000 | 2.0% |
Where First Reliance Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Greenville County, SC | 161 | 6.500% | 5.3% |
| Richland County, SC | 123 | 6.625% | 2.4% |
| Florence County, SC | 116 | 6.500% | 10.8% |
| Horry County, SC | 104 | 6.875% | 5.5% |
| Charleston County, SC | 98 | 6.625% | 1.0% |
| Lexington County, SC | 93 | 6.500% | 4.1% |
| Thomas County, GA | 49 | 6.500% | 3.9% |
| Spartanburg County, SC | 37 | 6.500% | 2.6% |
| Anderson County, SC | 35 | 6.500% | 2.8% |
| Botetourt County, VA | 25 | 6.625% | 0.0% |
| Wythe County, VA | 18 | 6.688% | 10.0% |
| Berkeley County, SC | 17 | 6.750% | 5.6% |
| Pickens County, SC | 17 | 6.500% | 0.0% |
| Darlington County, SC | 16 | 6.125% | 15.8% |
| Macon County, NC | 13 | 6.625% | 7.1% |
| Marion County, SC | 12 | 6.625% | 0.0% |
| Aiken County, SC | 11 | 6.750% | 8.3% |
| Dorchester County, SC | 11 | 6.500% | 8.3% |
| Fulton County, GA | 9 | Under 10 loans | 0.0% |
| Franklin County, VA | 9 | Under 10 loans | 0.0% |
| Montgomery County, VA | 9 | Under 10 loans | 0.0% |
| Roanoke County, VA | 9 | Under 10 loans | 0.0% |
| Beaufort County, SC | 7 | Under 10 loans | 0.0% |
| Georgetown County, SC | 7 | Under 10 loans | 0.0% |
| Kershaw County, SC | 7 | Under 10 loans | 0.0% |
| Sumter County, SC | 6 | Under 10 loans | 0.0% |
| Bedford County, VA | 6 | Under 10 loans | 0.0% |
| Pulaski County, VA | 6 | Under 10 loans | 14.3% |
| Grady County, GA | 5 | Under 10 loans | 0.0% |
| Laurens County, SC | 5 | Under 10 loans | 16.7% |
| Campbell County, VA | 5 | Under 10 loans | 0.0% |
| Carroll County, VA | 5 | Under 10 loans | 16.7% |
| Chatham County, GA | 4 | Under 10 loans | 0.0% |
| Gilmer County, GA | 4 | Under 10 loans | 0.0% |
| Cherokee County, NC | 4 | Under 10 loans | 0.0% |
| Forsyth County, NC | 4 | Under 10 loans | 0.0% |
| Orangeburg County, SC | 4 | Under 10 loans | 0.0% |
| Williamsburg County, SC | 4 | Under 10 loans | 20.0% |
| Lynchburg city, VA | 4 | Under 10 loans | 0.0% |
| Salem city, VA | 4 | Under 10 loans | 0.0% |
| Raleigh County, WV | 4 | Under 10 loans | 42.9% |
| Upshur County, WV | 4 | Under 10 loans | 42.9% |
| Leon County, FL | 3 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 3 | Under 10 loans | 0.0% |
| Brunswick County, NC | 3 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 3 | Under 10 loans | 0.0% |
| Surry County, NC | 3 | Under 10 loans | 0.0% |
| Swain County, NC | 3 | Under 10 loans | 0.0% |
| Jasper County, SC | 3 | Under 10 loans | 0.0% |
| York County, SC | 3 | Under 10 loans | 25.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.