Applications / Mortgage Analytics / Lenders / South Carolina / First Community Bank
Lexington, SC · State non-member bank · FDIC · $2.1 billion assets · 529 loans in 2025
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529
loans originated, 2025
663
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Community Bank is a South Carolina bank that lends mostly for home purchases, with more government-backed and manufactured-home loans than similar banks, and its 529 loans in 2025 were 24% more than in 2024.
Home purchases were 83.9% of its loans. FHA loans (insured by the Federal Housing Administration) were 14.9% and VA loans (guaranteed by the Department of Veterans Affairs) 3.0%, while similar lenders (state non-member banks making between half and twice as many loans) made almost none. Its typical loan, $285,000, was higher than the $185,000 at peers, above more than four in five of them.
Originations rose 24%, against 9% at similar lenders and 10% for the whole market, faster than about four in five of them. In Columbia, its largest market, it ranked 19 of 515 with 1.3%, up 0.1 points. In 2025 it first lent in Deltona-Daytona Beach-Ormond Beach, Reno and non-metro New Hampshire.
Manufactured homes were 10.0% of its loans, against 1.6% at peers, higher than about nine in ten. Its denial rate on first-lien home-purchase applications, 3.5%, was lower than the 5.1% at peers.
Majority-minority areas took 16.1% of its loans, against 7.4%, and LMI (low- and moderate-income) areas 18.7%, against 15.8%. LMI borrowers took 18.8%, against 27.5%, lower than almost nine in ten peers; its larger typical loan is one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Community Bank took 663 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.9% · Refinance 11.9% · Other 2.3% · Home improvement 1.9%
Conventional 81.3% · FHA 14.9% · VA 3.0% · USDA (RHS or FSA) 0.8% · of 529 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 | 467 | 88.3% |
| Georgia | 40 | 7.6% |
| North Carolina | 17 | 3.2% |
| Florida | 1 | 0.2% |
| New Hampshire | 1 | 0.2% |
| Nevada | 1 | 0.2% |
| Ohio | 1 | 0.2% |
| Tennessee | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbia | 224 |
| Greenville-Anderson-Greer | 103 |
| Augusta-Richmond County | 54 |
| Charlotte-Concord-Gastonia | 30 |
| Spartanburg | 19 |
| Charleston-North Charleston | 9 |
| Atlanta-Sandy Springs-Roswell | 5 |
| Sumter | 5 |
| Asheville | 4 |
| Hilton Head Island-Bluffton-Port Royal | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001HBUA9JSUEWO16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2328137 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 122808 | 1996–2011 |
| Respondent ID (the HMDA filer code before 2018) | 334047 | 2012–2017 |
Established 17 August 1995. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: First Community Bank's data.
First Community Bank's data
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