Southern First Bank Mortgage Rates, Fees & Info
GREENVILLE, SCLEI: 549300PP6R8WIOP60124
Tax ID: 56-2184826
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Bank Data
Review & Overview
Southern First Bank is a small bank specializing in Refi and Home Purchase loans. Southern First Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Greenville, Charleston, Columbia, Atlanta, and Greensboro among others. We have data for 64 markets. (Some data included below & more in-depth data is available with an active subscription.)Southern First Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Southern First Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/18/24 |
| 30 Year Conventional Purchase | 6.39% | 4/18/24 |
| 30 Year Conventional Refi | 6.36% | 4/18/24 |
| 30 Year Cash-out Refi | 6.51% | 4/18/24 |
| 30 Year FHA Purchase | 7.33% | 4/18/24 |
| 30 Year FHA Refi | 6.27% | 4/18/24 |
| 30 Year VA Purchase | 6.45% | 4/18/24 |
| 30 Year VA Refi | 6.01% | 4/18/24 |
| 30 Year USDA Purchase | 6.27% | 4/18/24 |
| 15 Year Conventional Purchase | 6.09% | 4/18/24 |
| 15 Year Conventional Refi | 6.05% | 4/18/24 |
| 15 Year Cash-out Refi | 6.05% | 4/18/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Southern First Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,194Origination Dollar Volume (All Markets)
$1,062,560,000Employee count
254Awards
Southern First Bank - 2020
Southern First Bank is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1,357 | $428,095,000 | $315,472 | $3,067 | 3.18% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 355 | $168,785,000 | $475,451 | $3,622 | 3.49% |
| COLUMBIA, SC (FHA|USDA|VA) | 615 | $167,725,000 | $272,724 | $3,122 | 3.20% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 245 | $107,015,000 | $436,796 | $3,556 | 3.23% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 97 | $28,035,000 | $289,021 | $2,574 | 3.29% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 85 | $27,075,000 | $318,529 | $2,665 | 3.16% |
| SPARTANBURG, SC (FHA|USDA|VA) | 117 | $26,775,000 | $228,846 | $3,116 | 3.16% |
| Seneca, SC (FHA|USDA|VA) | 29 | $13,855,000 | $477,759 | $3,804 | 3.38% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 42 | $12,750,000 | $303,571 | $3,192 | 3.27% |
| Outside of Metro Areas | 29 | $10,775,000 | $371,552 | $3,585 | 3.07% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 39 | $7,905,000 | $202,692 | $2,564 | 3.26% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 27 | $6,915,000 | $256,111 | $2,760 | 3.56% |
| Georgetown, SC (FHA|USDA|VA) | 10 | $5,670,000 | $567,000 | $3,194 | 3.32% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 20 | $5,660,000 | $283,000 | $3,176 | 3.10% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $4,060,000 | $2,030,000 | $0 | 4.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 8 | $3,240,000 | $405,000 | $3,838 | 3.16% |
| Newberry, SC (FHA|USDA|VA) | 10 | $2,690,000 | $269,000 | $3,331 | 3.07% |
| Boone, NC (FHA|USDA|VA) | 9 | $2,595,000 | $288,333 | $2,797 | 3.16% |
| Morehead City, NC (FHA|USDA|VA) | 6 | $2,400,000 | $400,000 | $2,470 | 3.31% |
| WILMINGTON, NC (FHA|USDA|VA) | 5 | $2,205,000 | $441,000 | $3,343 | 3.38% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $2,175,000 | $435,000 | $4,313 | 2.98% |
| Forest City, NC (FHA|USDA|VA) | 3 | $1,735,000 | $578,333 | $3,375 | 3.55% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $1,625,000 | $541,667 | $6,129 | 3.86% |
| Greenwood, SC (FHA|USDA|VA) | 5 | $1,575,000 | $315,000 | $2,505 | 3.46% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $1,435,000 | $478,333 | $4,466 | 3.38% |
| ASHEVILLE, NC (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $3,741 | 3.78% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $3,059 | 3.25% |
| BURLINGTON, NC (FHA|USDA|VA) | 3 | $1,275,000 | $425,000 | $4,592 | 3.08% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $1,260,000 | $630,000 | $4,602 | 3.13% |
| SUMTER, SC (FHA|USDA|VA) | 6 | $1,110,000 | $185,000 | $2,817 | 3.85% |
| Brevard, NC (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $6,106 | 3.88% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $2,927 | 2.75% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $3,047 | 3.41% |
| FLORENCE, SC (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $2,518 | 2.75% |
| ROANOKE, VA (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $2,966 | 3.04% |
| Shelby, NC (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $2,883 | 3.44% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $9,071 | 2.94% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $1,529 | 3.25% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $2,903 | 3.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $2,873 | 4.00% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $2,779 | 2.63% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $5,319 | 3.75% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $8,824 | 3.63% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 3.25% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,158 | 2.50% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 3.25% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 3.50% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,773 | 3.75% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,554 | 3.13% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,674 | 2.63% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 3.25% |
| Milledgeville, GA (FHA|USDA|VA) | 4 | $250,000 | $62,500 | $0 | 4.00% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,254 | 2.75% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,195 | 3.75% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,929 | 3.00% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,107 | 3.38% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,520 | 2.75% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,652 | 2.38% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,541 | 2.75% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.13% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,780 | 2.75% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,944 | 3.75% |
| Tifton, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.25% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 3.25% |
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Product Mix
For 2020, Southern First Bank's most frequently originated type of loan was Conventional, with 2,603 originations. Their 2nd most popular type was HELOC, with 477 originations.
Loan Reason
For 2020, Southern First Bank's most frequently cited loan purpose was Refi, with 1,368 originations. The 2nd most popular reason was Home Purchase, with 1,138 originations.
Loan Duration/Length
For 2020, Southern First Bank's most frequently cited loan duration was 30 Year, with 1,959 originations. The 2nd most popular length was 15 Year, with 636 originations.
Origination Fees/Closing Costs
Southern First Bank's average total fees were $3,240, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,037 originations.
Interest Rates
During 2020, Southern First Bank's average interest rate for loans was 3.14%, while their most frequently originated rate bucket for loans was 3-4%, with 1,613 originations.
Loan Sizing
2020 saw Southern First Bank place emphasis on $200k-400k loans with 1,330 originations, totaling $381,800,000 in origination value.
Applicant Income
Southern First Bank lent most frequently to those with incomes in the $250k+ range, with 696 originations. The second most popular income band? $100k-150k, with 683 originations.
Applicant Debt to Income Ratio
Southern First Bank lent most frequently to those with DTI ratios of 20-30%, with 934 originations. The next most common DTI ratio? <20%, with 869 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.22%
Southern First Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination88.42%
Southern First Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,194 | $1,062,560,000 | $332,674 |
Occupancy Type Mix
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| SOUTHERN TRUST MORTGAGE LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 100.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Southern First Bank | 100 South Elm Street, Suite 100 Greensboro, NC 27401 | Full Service B&M | $33,721 |
| Southern First Bank | 100 Verdae Boulevard, Suite 100 Greenville, SC 29607 | Full Service B&M | $672,302 |
| Southern First Bank | 105 Front Street Summerville, SC 29486 | Full Service B&M | $31,786 |
| Southern First Bank | 190 Knox Abbott Drive Cayce, SC 29033 | Full Service B&M | $199,685 |
| Southern First Bank | 1900 Woodruff Rd Greenville, SC 29607 | Full Service B&M | $127,873 |
| Southern First Bank | 2125 Augusta Street Greenville, SC 29605 | Full Service B&M | $151,322 |
| Southern First Bank | 307 The Parkway Greer, SC 29650 | Full Service B&M | $122,289 |
| Southern First Bank | 309 East Paces Ferry Road Ne Atlanta, GA 30305 | Full Service B&M | $158,661 |
| Southern First Bank | 4018 Forest Drive Columbia, SC 29204 | Full Service B&M | $72,319 |
| Southern First Bank | 5346 Sunset Blvd Lexington, SC 29072 | Full Service B&M | $73,830 |
| Southern First Bank | 5444 Wade Park Boulevard, Suite 100 Raleigh, NC 27607 | Full Service B&M | $71,387 |
| Southern First Bank | 691 Johnnie Dodds Boulevard Mount Pleasant, SC 29464 | Full Service Retail | $160,090 |
| Southern First Bank | 80 Calhoun Street Charleston, SC 29401 | Full Service B&M | $328,313 |
For 2020, Southern First Bank had 13 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $97,565 |
| Net interest income | $84,248 |
| Total noninterest income | $28,201 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $860 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $27,341 |
| Pre-tax net operating income | $25,790 |
| Securities gains (or losses, -) | $3 |
| Income before extraordinary items | $19,887 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $19,887 |
| Minority interest net income | $0 |
| Net income | $19,887 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $19,884 |
Southern First Bank's gross interest income from loans was $97,565,000.
Southern First Bank's net interest income from loans was $84,248,000.
Southern First Bank's fee based income from loans was $860,000.
Southern First Bank's net income from loans was $19,887,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $13,317 |
| Provision for credit losses | $29,600 |
| Total noninterest expense | $57,059 |
| Salaries and employee benefits | $33,064 |
| Premises and equipment expense | $5,925 |
| Additional noninterest expense | $18,070 |
| Applicable income taxes | $5,906 |
| Net charge-offs | $2,093 |
| Cash dividends | $0 |
Southern First Bank's interest expense for loans was $13,317,000.
Southern First Bank's payroll and benefits expense were $33,064,000.
Southern First Bank's property, plant and equipment expenses $5,925,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 1.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $2,159,660 |
| Deposits held in domestic offices | $2,159,660 |
| Deposits by Individuals, partnerships, and corporations | $1,890,913 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $216,233 |
| Deposits by Commercial banks and other depository institutions in U.S. | $52,514 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $853,232 |
| Demand deposits | $584,493 |
| Nontransaction accounts | $1,306,428 |
| Money market deposit accounts (MMDAs) | $1,051,764 |
| Other savings deposits (excluding MMDAs) | $27,254 |
| Total time deposits | $227,409 |
| Total time and savings deposits | $1,575,167 |
| Noninterest-bearing deposits | $585,983 |
| Interest-bearing deposits | $1,573,677 |
| Retail deposits | $2,035,555 |
| IRAs and Keogh plan accounts | $22,071 |
| Brokered deposits | $22,000 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $2,482,257 |
| Cash & Balances due from depository institutions | $79,144 |
| Interest-bearing balances | $65,622 |
| Total securities | $94,729 |
| Federal funds sold & reverse repurchase | $21,744 |
| Net loans and leases | $2,158,976 |
| Loan and leases loss allowance | $44,149 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $60,183 |
| Other real estate owned | $1,169 |
| Goodwill and other intangibles | $0 |
| All other assets | $66,312 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $2,482,257 |
| Total Liabilities | $2,227,142 |
| Total deposits | $2,159,660 |
| Interest-bearing deposits | $1,573,677 |
| Deposits held in domestic offices | $2,159,660 |
| % insured (estimated) | $59 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $44,533 |
| Subordinated debt | $0 |
| All other liabilities | $22,949 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $2,158,976 |
| Loan and leases loss allowance | $44,149 |
| Total loans and leases (domestic) | $2,203,125 |
| All real estate loans | $1,955,034 |
| Real estate loans in domestic offices | $1,955,034 |
| Construction and development loans | $168,010 |
| Residential 1-4 family construction | $41,579 |
| Other construction, all land development and other land | $126,431 |
| Loans secured by nonfarm nonresidential properties | $841,394 |
| Nonfarm nonresidential secured by owner-occupied properties | $415,676 |
| Commercial real estate & other non-farm, non-residential | $425,718 |
| Multifamily residential real estate | $15,724 |
| 1-4 family residential loans | $909,871 |
| Farmland loans | $20,035 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $226,585 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $21,506 |
| Credit card loans | $0 |
| Related Plans | $8,739 |
| Consumer Auto Loans | $1,323 |
| Other loans to individuals | $11,444 |
| All other loans & leases | $0 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $0 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $1,123 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $4,893 |
| Non 1-4 family restructured loans & leases | $2,418 |
| Total loans and leases (foreign) | $0 |
Southern First Bank had $2,158,976,000 of loans outstanding in 2020. $1,955,034,000 of loans were in real estate loans. $168,010,000 of loans were in development loans. $15,724,000 of loans were in multifamily mortgage loans. $909,871,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $1,323,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 589 | $192,368 | $326,601 |
| Nonfarm, nonresidential loans - <$100k | 62 | $3,252 | $52,452 |
| Nonfarm, nonresidential loans - $100-250k | 164 | $24,639 | $150,238 |
| Nonfarm, nonresidential loans - $250k-1MM | 363 | $164,477 | $453,105 |
| Commercial & Industrial, US addressed loans - <$1MM | 1,269 | $132,277 | $104,237 |
| Commercial & Industrial, US addressed loans - <$100k | 656 | $15,302 | $23,326 |
| Commercial & Industrial, US addressed loans - $100-250k | 314 | $28,258 | $89,994 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 299 | $88,717 | $296,712 |
| Farmland loans - <$1MM | 29 | $5,914 | $203,931 |
| Farmland loans - <$100k | 4 | $137 | $34,250 |
| Farmland loans - $100-250k | 14 | $2,393 | $170,929 |
| Farmland loans - $250k-1MM | 11 | $3,384 | $307,636 |