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Southern First Bank
Bank|Greenville, SC|Multi-Region
Loans Originated
678
Applications
1,133
Volume
$254 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.256%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,969
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
59.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Report Card
Southern First Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 8 metro areas · 7 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$375,295
Average Borrower Income
$200,367
Average Property Value
$498,201
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Sound | Sound | 559 | 82.4% | +0.239% | $2,005 |
FHA Loans | Strong | Strong | Strong | Sound | 63 | 9.3% | +0.413% | $2,112 |
VA Loans | Strong | Strong | Strong | Sound | 21 | 3.1% | -0.122% | $612 |
Jumbo Loans | Sound | Strong | Acceptable | Strong | 34 | 5.0% | +0.544% | $1,933 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Sound | Sound | 620 | 91.4% | +0.262% | $2,018 |
Refinance | Strong | Sound | Strong | Strong | 58 | 8.6% | +0.183% | $1,368 |
Geographic Coverage
Metro Areas
7
States Served
7
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALGAINKYNCSCVA
Top Metro Areas by Place Specialization Score
1
Greenville, SCMSA
Volume: 395Mix: 58.26%
Place Specialization
Exceptional
2
Spartanburg, SC, SCMSA
Volume: 44Mix: 6.49%
Place Specialization
Strong
3
Charleston, SCMSA
Volume: 46Mix: 6.78%
Place Specialization
Strong
4
Atlanta, GAMSA
Volume: 65Mix: 9.59%
Place Specialization
Strong
5
Marietta, GA, GAMSA
Volume: 29Mix: 4.28%
Place Specialization
Sound
6
Columbia, SC, SCMSA
Volume: 23Mix: 3.39%
Place Specialization
Sound
7
Charlotte, NC-SCMSA
Volume: 28Mix: 4.13%
Place Specialization
Sound
Top States by Place Specialization Score
1
SCState
Volume: 517Mix: 76.25%
Place Specialization
Exceptional
2
GAState
Volume: 104Mix: 15.34%
Place Specialization
Strong
3
NCState
Volume: 51Mix: 7.52%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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