Applications / Mortgage Analytics / Lenders / South Carolina / Countybank
Greenwood, SC · State non-member bank · FDIC · $730 million assets · 642 loans in 2025
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642
loans originated, 2025
876
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Countybank is a South Carolina bank that lends mainly for home purchases, with more government-backed loans and larger loans than similar banks, and it grew faster than they did in 2025.
Home purchases were 76.2% of its loans. FHA loans (insured by the Federal Housing Administration) were 11.4% and VA loans (guaranteed by the Department of Veterans Affairs) 4.0%, more than at most similar lenders (state non-member banks making between half and twice as many loans), where the typical share of each was 0.0%. Its typical loan was $295,000, against $195,000 at peers, larger than at about four in five of them.
Originations rose 15% to 642, while similar lenders grew 9% and the whole market 10%. That is still well below the 2,089 loans of 2020, when its typical rate was 3.00%; in 2025 it was 6.50%.
Its share rose 0.3 points to 0.7% in Spartanburg, where it ranked 38 of 409 lenders. In Greenville-Anderson-Greer, its largest market, where it has lent since 2007, it ranked 15 of 589 with 1.3%, down 0.1 points.
LMI (low- and moderate-income) borrowers took 21.1% of its loans, against 26.7% at similar lenders, though up from 16.6% five years before. A purchase-heavy mix and larger loans are possible reasons; its purchase denial rate, 3.0%, was lower than peers' 5.2%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Countybank took 876 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.2% · Refinance 20.4% · Other 1.9% · Home improvement 1.6%
Conventional 83.6% · FHA 11.4% · VA 4.0% · USDA (RHS or FSA) 0.9% · of 642 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 | 444 | 69.2% |
| Tennessee | 173 | 26.9% |
| North Carolina | 8 | 1.2% |
| Georgia | 5 | 0.8% |
| Florida | 4 | 0.6% |
| Illinois | 2 | 0.3% |
| Virginia | 2 | 0.3% |
| Maryland | 1 | 0.2% |
| New Mexico | 1 | 0.2% |
| Ohio | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Greenville-Anderson-Greer | 272 |
| Knoxville | 149 |
| Spartanburg | 67 |
| Nashville-Davidson--Murfreesboro--Franklin | 7 |
| Charleston-North Charleston | 6 |
| Columbia | 5 |
| Charlotte-Concord-Gastonia | 3 |
| Hilton Head Island-Bluffton-Port Royal | 2 |
| Morristown | 2 |
| Savannah | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300III1DMY3SLAW56 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 271529 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39155 | 2007–2017 |
Established 5 June 1933. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Countybank's data.
Countybank's data
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