Southern First Bank
Southern First Bank received 1,612 applications in 2025 and made 1,341 mortgages, in 122 counties across 17 states. The median rate its borrowers got was 6.875% on a median loan of $305,000. Of 1,411 decisions, 39 were denials — 2.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300PP6R8WIOP60124 |
|---|---|
| Applications received | 1,612 |
| Mortgages made | 1,341 |
| Denied | 39 |
| Approved, not taken up | 31 |
| Withdrawn or incomplete | 201 |
| Loans bought from other lenders | 2 |
| Median rate spread over the prime offer rate | 0.17 points |
| FDIC-insured bank | Yes: Southern First Bank, 12 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 752 | 6.625% | $345,000 | 1.8% |
| Refinancing | 250 | 7.000% | $355,000 | 3.5% |
| Cash-out refinancing | 24 | 6.813% | $375,000 | 10.0% |
| Other purposes | 315 | 7.500% | $205,000 | 3.8% |
Where Southern First 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 | 600 | 6.875% | 1.0% |
| Charleston County, SC | 108 | 7.125% | 4.3% |
| Spartanburg County, SC | 70 | 6.500% | 2.7% |
| Anderson County, SC | 69 | 6.500% | 0.0% |
| Fulton County, GA | 48 | 7.313% | 8.8% |
| Mecklenburg County, NC | 38 | 6.750% | 2.5% |
| Richland County, SC | 34 | 7.000% | 5.6% |
| Wake County, NC | 33 | 7.000% | 0.0% |
| Pickens County, SC | 27 | 6.625% | 3.6% |
| Cobb County, GA | 26 | 6.500% | 0.0% |
| Guilford County, NC | 26 | 6.938% | 10.0% |
| Dorchester County, SC | 26 | 6.813% | 7.1% |
| DeKalb County, GA | 24 | 7.000% | 7.7% |
| Berkeley County, SC | 23 | 7.250% | 4.2% |
| Lexington County, SC | 12 | 6.813% | 7.1% |
| Oconee County, SC | 12 | 6.938% | 0.0% |
| Georgetown County, SC | 10 | 7.120% | 0.0% |
| Beaufort County, SC | 8 | Under 10 loans | 11.1% |
| Brunswick County, NC | 7 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 6 | Under 10 loans | 12.5% |
| Laurens County, SC | 6 | Under 10 loans | 0.0% |
| Durham County, NC | 5 | Under 10 loans | 0.0% |
| Johnston County, NC | 4 | Under 10 loans | 0.0% |
| York County, SC | 4 | Under 10 loans | 0.0% |
| Greene County, GA | 3 | Under 10 loans | 0.0% |
| Rabun County, GA | 3 | Under 10 loans | 0.0% |
| Orange County, NC | 3 | Under 10 loans | 0.0% |
| Transylvania County, NC | 3 | Under 10 loans | 0.0% |
| Aiken County, SC | 3 | Under 10 loans | 0.0% |
| Bay County, FL | 2 | Under 10 loans | 0.0% |
| Collier County, FL | 2 | Under 10 loans | 0.0% |
| Cherokee County, GA | 2 | Under 10 loans | 0.0% |
| Rockdale County, GA | 2 | Under 10 loans | 0.0% |
| Walton County, GA | 2 | Under 10 loans | 0.0% |
| Alamance County, NC | 2 | Under 10 loans | 0.0% |
| Catawba County, NC | 2 | Under 10 loans | 0.0% |
| Forsyth County, NC | 2 | Under 10 loans | 0.0% |
| Iredell County, NC | 2 | Under 10 loans | 0.0% |
| Macon County, NC | 2 | Under 10 loans | 0.0% |
| New Hanover County, NC | 2 | Under 10 loans | 0.0% |
| Polk County, NC | 2 | Under 10 loans | 33.3% |
| Clarendon County, SC | 2 | Under 10 loans | 0.0% |
| Colleton County, SC | 2 | Under 10 loans | 0.0% |
| Kershaw County, SC | 2 | Under 10 loans | 0.0% |
| Lancaster County, SC | 2 | Under 10 loans | 0.0% |
| Newberry County, SC | 2 | Under 10 loans | 0.0% |
| Orangeburg County, SC | 2 | Under 10 loans | 0.0% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| Shelby County, AL | 1 | Under 10 loans | 0.0% |
| Boulder County, CO | 1 | Under 10 loans | 0.0% |
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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.