Applications / Mortgage Analytics / Lenders / South Carolina / Southern First Bank
Greenville, SC · State non-member bank · FDIC · $4.4 billion assets · 1,341 loans in 2025
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1,341
loans originated, 2025
1,770
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Southern First Bank is a South Carolina bank that ranks third in Greenville-Anderson-Greer and grew its originations 20% in 2025, about twice the pace of similar lenders.
Originations rose 20% to 1,341, against 10% for the typical similar lender (state non-member banks making between half and twice as many loans) and for the whole market, faster than about three in four of them. The total remains well below the 3,194 of five years before, which may reflect refinancing when its typical rate was 3.25%, against 6.88% now.
In Greenville-Anderson-Greer, where it has lent since 2001, it ranked 3 of 589 lenders, behind Rocket Mortgage and United Wholesale Mortgage, with its share up to 3.8% from 3.4%. Its share in Columbia rose to 0.4% from 0.3% and held at 0.6% in Charleston-North Charleston.
Its typical loan, $305,000, was larger than at more than four in five similar lenders, and jumbo loans (larger than the conforming limit) were 11.2% of originations, against 2.5%. Home purchase made up 56.1% of lending.
Of its loans, 13.5% went to low- and moderate-income (LMI) borrowers, against 27.7% for the typical similar lender, among the lowest tenth. Its focus on larger loans may be one reason. Its share in majority-minority areas, 14.4%, was higher than about seven in ten similar lenders.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Southern First Bank took 1,770 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.1% · Refinance 20.4% · Home improvement 13.0% · Other 10.5%
Conventional 94.7% · FHA 3.4% · VA 1.6% · USDA (RHS or FSA) 0.3% · of 1,341 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| South Carolina | 1,030 | 76.8% |
| North Carolina | 154 | 11.5% |
| Georgia | 138 | 10.3% |
| Florida | 6 | 0.4% |
| Alabama | 2 | 0.1% |
| Michigan | 2 | 0.1% |
| Ohio | 2 | 0.1% |
| Texas | 2 | 0.1% |
| Colorado | 1 | 0.1% |
| Illinois | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Greenville-Anderson-Greer | 702 |
| Charleston-North Charleston | 157 |
| Atlanta-Sandy Springs-Roswell | 92 |
| Spartanburg | 71 |
| Charlotte-Concord-Gastonia | 50 |
| Columbia | 48 |
| Raleigh-Cary | 37 |
| Marietta | 29 |
| Greensboro-High Point | 28 |
| Durham-Chapel Hill | 10 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PP6R8WIOP60124 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2849801 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 123919 | 2001–2012 |
| Respondent ID (the HMDA filer code before 2018) | 335295 | 2013–2017 |
Established 10 January 2000. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Southern First Bank's data.
Southern First Bank's data
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