# Southern First Bank > **Canonical URL:** https://saferate.com/lenders/southern-first-bank > **πŸ“‹ Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible Southern First Bank is a bank, headquartered in Greenville, SC, serving borrowers across 7 states, with 678 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 47% of lenders for competitive rates - **Approval Rate:** Ranks in the top 41% for loan approval success ## Overview - **Institution Type:** Bank - **LEI (Legal Entity Identifier):** 549300PP6R8WIOP60124 - **Headquarters:** Greenville, SC - **Geographic Reach:** Multi-Region - **States Served:** 7 - **State List:** AL, GA, IN, KY, NC, SC, VA - **Markets (MSAs):** 8 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Sound ☺️ - Score: 53/100 - Rating: ●●●○○ (3/5) ### Pull Through: Sound ☺️ - Score: 59/100 - Rating: ●●●○○ (3/5) ### Pricing Details - **Average Rate Spread:** +0.256% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $1,969 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 678 - **Dollar Volume:** $254 million - **Applications Received:** 1,133 - **Market Share:** 2.00% ## Typical Borrower Profile - **Average Loan Amount:** $375,295 - **Average Borrower Income:** $200,367 - **Average Property Value:** $498,201 ## Safe Rate Awards πŸ† - ⭐ **FHA Gold Superstar** (64%) - ⭐ **VA Gold Superstar** (64%) - ⭐ **Refinance Gold Superstar** (64%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 69/100 | 559 | +0.239% | $2,005 | Strong πŸ˜€ | | FHA | 62/100 | 63 | +0.413% | $2,112 | Strong πŸ˜€ | | VA | 62/100 | 21 | -0.122% | $612 | Strong πŸ˜€ | | Jumbo | 74/100 | 34 | +0.544% | $1,933 | Strong πŸ˜€ | ### Product Performance by Purpose **Conventional:** - Purchase: 515 loans, Score: 69/100 (Strong) - Refinance: 44 loans, Score: 53/100 (Sound) **FHA:** - Purchase: 60 loans, Score: 62/100 (Strong) **VA:** - Purchase: 20 loans, Score: 62/100 (Strong) **Jumbo:** - Purchase: 24 loans, Score: 72/100 (Strong) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 68/100 | 620 | $227M | +0.262% | Strong πŸ˜€ | | Refinance | 56/100 | 58 | $27M | +0.183% | Sound ☺️ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | SC | 517 | 0.65% | 88/100 | | GA | 104 | 0.08% | 63/100 | | NC | 51 | 0.03% | 54/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Greenville | SC | 395 | 100/100 | | Atlanta | GA | 65 | 62/100 | | Charleston | SC | 46 | 64/100 | | Spartanburg, SC | SC | 44 | 68/100 | | Marietta, GA | GA | 29 | 56/100 | | Charlotte | NC-SC | 28 | 52/100 | | Columbia, SC | SC | 23 | 54/100 | | Non | | 15 | 24/100 | ## Where This Lender Ranks Southern First Bank appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯ˆ **#2** in Greenville for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/banks/fha-loans) - πŸ† **#4** in Greenville for VA Loans (Banks) - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/banks/va-loans) - πŸ† **#5** in Spartanburg, SC for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/spartanburg-sc/best-mortgage-lenders/banks/fha-loans) - πŸ† **#9** in South Carolina for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/banks/fha-loans) - πŸ† **#11** in Greenville for FHA Loans - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/fha-loans) - πŸ† **#11** in Greenville for Jumbo Loans (Banks) - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/banks/jumbo-loans) - πŸ† **#11** in Spartanburg, SC Banks - [View Full Rankings](https://saferate.com/spartanburg-sc/best-mortgage-lenders/banks) - πŸ† **#13** in Greenville for Jumbo Loans - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/jumbo-loans) - πŸ† **#13** in Spartanburg, SC for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/spartanburg-sc/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#14** in Greenville for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#16** in South Carolina for VA Loans (Banks) - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/banks/va-loans) - πŸ† **#17** in Greenville Banks - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/banks) - πŸ† **#17** in Greenville for VA Loans - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/va-loans) - πŸ† **#17** in Charleston for Jumbo Loans (Banks) - [View Full Rankings](https://saferate.com/charleston/best-mortgage-lenders/banks/jumbo-loans) - πŸ† **#18** in South Carolina for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#18** in South Carolina for Jumbo Loans (Banks) - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/banks/jumbo-loans) - πŸ† **#19** in South Carolina Banks - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/banks) - πŸ† **#20** in Charleston Banks - [View Full Rankings](https://saferate.com/charleston/best-mortgage-lenders/banks) ## Frequently Asked Questions ### What loan types does Southern First Bank offer? Southern First Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does Southern First Bank offer mortgages? Southern First Bank offers mortgages in 7 states: AL, GA, IN, KY, NC, SC, VA. ### How competitive are Southern First Bank's mortgage rates? Southern First Bank has a pricing score of 53/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.256% above market average. ### What type of lender is Southern First Bank? Southern First Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Greenville, SC. ### What is Southern First Bank's loan approval success rate? Southern First Bank has a pull-through score of 59/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/southern-first-bank ### How to Cite > "Southern First Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/southern-first-bank --- **[View Interactive Profile β†’](https://saferate.com/lenders/southern-first-bank)**