First Reliance Bank
1,245 mortgages originated in 2025 across 4 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,245
- Median rate
- 6.625%
- Median lender fees
- $4,545
- Median loan amount
- $255,000
- Median spread over APOR
- 0.152
- Paid discount points
- 22.1%
- Received lender credits
- 38.7%
- Purchases / refinances
- 80.3% / 15.7%
- Conventional / FHA / VA
- 88.4% / 5.6% / 3.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 91.1% of loans here — see methodology.
Where First Reliance Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| South Carolina | 909 | $4,354 | 6.625% |
| Virginia | 146 | $4,364 | 6.625% |
| Georgia | 96 | $6,356 | 6.500% |
| North Carolina | 56 | — | 6.750% |