Southern First Bank
1,341 mortgages originated in 2025 across 3 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
- 1,341
- Median rate
- 6.875%
- Median lender fees
- $4,305
- Median loan amount
- $305,000
- Median spread over APOR
- 0.170
- Paid discount points
- 22.8%
- Received lender credits
- 19.8%
- Purchases / refinances
- 56.1% / 20.4%
- Conventional / FHA / VA
- 94.7% / 3.4% / 1.6%
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 56.4% of loans here — see methodology.
Where Southern First Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| South Carolina | 1,030 | $4,180 | 6.875% |
| North Carolina | 154 | $3,528 | 7.000% |
| Georgia | 138 | $6,738 | 6.875% |