Applications / Mortgage Analytics / Lenders / South Carolina / Beacon Community Bank
Mount Pleasant, SC · State non-member bank · FDIC · $964 million assets · 179 loans in 2025
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179
loans originated, 2025
246
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Beacon Community Bank makes some of the biggest home loans of any similar bank, and it nearly doubled its lending in 2025, to rank 17 of 617 in Charleston-North Charleston.
It first reported under the Home Mortgage Disclosure Act in 2023, with 44 loans. It made 91 in 2024 and 179 in 2025, a rise of 97%. Similar lenders (state non-member banks making between half and twice as many loans) grew 10%. Years before 2023 are gaps in the record, not years without lending.
Its typical loan was $695,000, against $175,000 at similar lenders. A third of its loans, 33.9%, were jumbo (larger than the conforming limit), against 1.4%. Purchases made up 83.8% of its lending.
Its share of Charleston-North Charleston lending rose from 0.9% to 1.4%. Wells Fargo Bank leads that market. It entered Hilton Head Island-Bluffton-Port Royal in 2024 and Savannah in 2025, where its shares are still small.
Borrowers with low or moderate incomes took 3.0% of its loans, against 27.7% at similar lenders, among the lowest few. Its loan sizes may explain much of this, since buyers of homes that need jumbo loans tend to earn more.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Beacon Community Bank took 246 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.8% · Refinance 12.3% · Home improvement 2.2% · Other 1.7%
Conventional 100.0% · of 179 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 | 173 | 96.6% |
| Georgia | 3 | 1.7% |
| North Carolina | 3 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charleston-North Charleston | 161 |
| Greenville-Anderson-Greer | 3 |
| Charlotte-Concord-Gastonia | 2 |
| Myrtle Beach-Conway-North Myrtle Beach | 2 |
| Brunswick-St. Simons | 1 |
| Columbia | 1 |
| Hilton Head Island-Bluffton-Port Royal | 1 |
| Marietta | 1 |
| Savannah | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930001MKJOJMNEHA19 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5136959 | 2023–2023 |
Established 8 January 2018. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Beacon Community Bank's data.
Beacon Community Bank's data
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Beacon Community Bank 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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