First Reliance Bank mortgage approval rate & lending review
First Reliance Bank decided 2,406 mortgage applications and funded 2,276 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Reliance Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Reliance Bank at a glance
Approval is 9.5 points above the 85.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 1,712 / 1,787 | 100% | $265K | 1,709 |
| Cash-out refinance | 87% | 125 / 144 | 99% | $185K | 124 |
| Refinance | 91% | 129 / 141 | 99% | $285K | 128 |
| Investment property purchase | 95% | 259 / 272 | 100% | $195K | 259 |
| Investment refinance | 100% | 31 / 31 | 97% | $155K | 30 |
First Reliance Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| South Carolina | 95% | $265K | 2,228 | 2,105 |
| North Carolina | 97% | $345K | 73 | 71 |
| Georgia | 93% | $395K | 59 | 55 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Reliance Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Greenville County, SC | Mortgage lenders | 96% | 410 | 393 |
| Richland County, SC | Mortgage lenders | 96% | 249 | 240 |
| Lexington County, SC | Mortgage lenders | 99% | 209 | 205 |
| Florence County, SC | Mortgage lenders | 92% | 214 | 195 |
| Charleston County, SC | Mortgage lenders | 99% | 148 | 147 |
| Horry County, SC | Mortgage lenders | 90% | 157 | 141 |
| Spartanburg County, SC | Mortgage lenders | 97% | 87 | 84 |
| Anderson County, SC | Mortgage lenders | 97% | 72 | 69 |
| Horry County, SC | Investment property purchase | 92% | 65 | 60 |
| Florence County, SC | Investment property purchase | 98% | 40 | 39 |
| Pickens County, SC | Mortgage lenders | 100% | 38 | 38 |
| Greenville County, SC | Cash-out refinance | 95% | 39 | 37 |
The county markets where First Reliance Bank made the most loans. Each link opens that market with every lender ranked.
Questions about First Reliance Bank
What is First Reliance Bank's mortgage approval rate?
First Reliance Bank approved 94.9% of the 2,406 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.5 points above the 85.4% national rate for the same mix of loan types.
How often do borrowers take the loan First Reliance Bank offers?
Borrowers accepted 100% of the loans First Reliance Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Reliance Bank make?
The typical home purchase mortgage loan First Reliance Bank made was $265K; across all loan types its typical loan ran from $155K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Reliance Bank lend?
First Reliance Bank decided applications in 12 of the states Fat Boy Data covers, most of them in South Carolina, North Carolina and Georgia.
Can I apply to First Reliance Bank directly?
Yes. First Reliance Bank is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Reliance Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Reliance Bank treats applications, then get a rate quote from the lender.