Applications / Mortgage Analytics / Lenders / South Carolina / Bank of the Lowcountry
Walterboro, SC · State member bank · FRS · $411 million assets · 114 loans in 2025
Bank of the Lowcountry's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
114
loans originated, 2025
122
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of the Lowcountry made more loans in 2025 but smaller ones, and it stands out among similar lenders for manufactured-home loans and for lending in LMI and majority-minority tracts.
Originations rose 25% to 114, faster than about three in four similar lenders (state member banks making between half and twice as many loans), whose typical growth was 8%. Dollar volume still fell, from $41.6 million to $38.6 million, as its typical loan dropped from $285,000 to $190,000.
Manufactured-home loans were 24.6% of its lending, against 2.3% for peers, higher than almost all of them. Jumbo loans (larger than the conforming limit) were 9.3%, against 1.3%, higher than nearly nine in ten peers, though down from 12.8%; they may come from its Hilton Head and Charleston markets.
Of its loans, 28.6% were in LMI (low- and moderate-income) tracts and 21.9% in majority-minority tracts, against 16.5% and 5.1% for peers. But 16.2% of borrowers were LMI, lower than more than four in five peers. Lending in tracts with low area incomes to borrowers whose own incomes are higher could explain the gap.
In Charleston its share fell from 0.3% to 0.1%, ranking 121 of 617, and in Hilton Head from 0.4% to 0.3%, ranking 66 of 489. Fewer jumbo loans and competition from national lenders may explain the change. It first lent in Hickory-Lenoir-Morganton, North Carolina, in 2025.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Bank of the Lowcountry took 122 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 49.1% · Refinance 36.0% · Other 9.6% · Home improvement 5.3%
Conventional 100.0% · of 114 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| South Carolina | 113 | 99.1% |
| North Carolina | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charleston-North Charleston | 33 |
| Hilton Head Island-Bluffton-Port Royal | 17 |
| Greenville-Anderson-Greer | 1 |
| Hickory-Lenoir-Morganton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900QQRCPCOBBNDA41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1404481 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 327496 | 1998–2017 |
Established 1 May 1989. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Bank of the Lowcountry's data.
Bank of the Lowcountry's data
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Bank of the Lowcountry and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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