First Palmetto Bank
First Palmetto Bank received 550 applications in 2025 and made 458 mortgages, in 47 counties across 8 states. The median rate its borrowers got was 6.500% on a median loan of $265,000. Of 485 decisions, 26 were denials — 5.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300Z7EP1HO5CH1C36 |
|---|---|
| Applications received | 550 |
| Mortgages made | 458 |
| Denied | 26 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 65 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.2275 points |
| FDIC-insured bank | Yes: First Palmetto Bank, 22 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 362 | 6.500% | $260,000 | 4.7% |
| Refinancing | 52 | 6.562% | $320,000 | 10.2% |
| Cash-out refinancing | 38 | 6.625% | $275,000 | 2.6% |
| Other purposes | 6 | Under 10 loans | Under 10 loans | 14.3% |
Where First Palmetto Bank lends most
The 47 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Richland County, SC | 124 | 6.624% | 3.9% |
| Lexington County, SC | 92 | 6.490% | 5.1% |
| Kershaw County, SC | 50 | 6.495% | 5.7% |
| Greenville County, SC | 48 | 6.750% | 3.9% |
| Horry County, SC | 21 | 6.750% | 19.2% |
| Aiken County, SC | 14 | 6.375% | 0.0% |
| Spartanburg County, SC | 14 | 6.558% | 0.0% |
| Charleston County, SC | 11 | 6.490% | 0.0% |
| Orangeburg County, SC | 6 | Under 10 loans | 14.3% |
| Berkeley County, SC | 5 | Under 10 loans | 16.7% |
| Newberry County, SC | 5 | Under 10 loans | 0.0% |
| Columbus County, NC | 4 | Under 10 loans | 20.0% |
| Calhoun County, SC | 4 | Under 10 loans | 0.0% |
| Georgetown County, SC | 4 | Under 10 loans | 0.0% |
| Lancaster County, SC | 4 | Under 10 loans | 0.0% |
| Pickens County, SC | 4 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 3 | Under 10 loans | 25.0% |
| Chesterfield County, SC | 3 | Under 10 loans | 0.0% |
| Edgefield County, SC | 3 | Under 10 loans | 0.0% |
| Fairfield County, SC | 3 | Under 10 loans | 0.0% |
| Oconee County, SC | 3 | Under 10 loans | 0.0% |
| Saluda County, SC | 3 | Under 10 loans | 0.0% |
| Richmond County, GA | 2 | Under 10 loans | 0.0% |
| Brunswick County, NC | 2 | Under 10 loans | 0.0% |
| Transylvania County, NC | 2 | Under 10 loans | 0.0% |
| Florence County, SC | 2 | Under 10 loans | 33.3% |
| Laurens County, SC | 2 | Under 10 loans | 0.0% |
| York County, SC | 2 | Under 10 loans | 33.3% |
| Lower Connecticut River Valley Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 1 | Under 10 loans | 0.0% |
| Chatham County, GA | 1 | Under 10 loans | 0.0% |
| Clarke County, GA | 1 | Under 10 loans | 0.0% |
| Burke County, NC | 1 | Under 10 loans | 0.0% |
| Chatham County, NC | 1 | Under 10 loans | 0.0% |
| Gaston County, NC | 1 | Under 10 loans | 0.0% |
| Henderson County, NC | 1 | Under 10 loans | 0.0% |
| Lincoln County, NC | 1 | Under 10 loans | 0.0% |
| Watauga County, NC | 1 | Under 10 loans | 0.0% |
| Anderson County, SC | 1 | Under 10 loans | 0.0% |
| Chester County, SC | 1 | Under 10 loans | 0.0% |
| Lee County, SC | 1 | Under 10 loans | 0.0% |
| Sumter County, SC | 1 | Under 10 loans | 0.0% |
| Sumner County, TN | 1 | Under 10 loans | 0.0% |
| Galveston County, TX | 1 | Under 10 loans | 0.0% |
| King George County, VA | 1 | Under 10 loans | 0.0% |
| Abbeville County, SC | 0 | Under 10 loans | Not published |
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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.