Lender profile · HMDA 2023–2025
Southern First Bank mortgage approval rates & lending data
Southern First Bank decided 3,187 mortgage applications and funded 3,040 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 1,952 / 2,005 | 99% | $325K | 1,931 |
| Home improvement loans | 96% | 375 / 389 | 98% | $155K | 369 |
| Cash-out refinance | 94% | 68 / 72 | 97% | $355K | 66 |
| Refinance | 94% | 372 / 394 | 99% | $305K | 370 |
| Investment property purchase | 96% | 216 / 225 | 97% | $255K | 209 |
| Investment refinance | 96% | 46 / 48 | 96% | $265K | 44 |
| Investment home improvement | 97% | 38 / 39 | 100% | $205K | 38 |
Southern First Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| South Carolina | 98% | $325K | 2,489 | 2,410 |
| Georgia | 91% | $425K | 383 | 339 |
| North Carolina | 95% | $305K | 287 | 266 |
| Florida | 100% | $375K | 9 | 9 |
| Alabama | 100% | $255K | 4 | 4 |
| Ohio | 100% | $315K | 2 | 2 |
| Tennessee | 100% | $685K | 2 | 2 |
| Texas | 100% | $375K | 2 | 2 |
| Virginia | 100% | $235K | 2 | 2 |
| Colorado | 0% | — | 1 | 0 |
| Illinois | 100% | $665K | 1 | 1 |
| Indiana | 100% | $275K | 1 | 1 |
| Louisiana | 100% | — | 1 | 0 |
| Maryland | 100% | $135K | 1 | 1 |
| Mississippi | 100% | $805K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.