Applications / Mortgage Analytics / Lenders / South Carolina / First Palmetto Bank
Camden, SC · State non-member bank · FDIC · $1.1 billion assets · 458 loans in 2025
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458
loans originated, 2025
550
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Palmetto Bank, a South Carolina purchase lender, has moved into government-backed mortgages, which the typical similar bank does not make.
In 2020, 98.6% of its loans were conventional; in 2025, 73.4% were. Loans insured by the Federal Housing Administration (FHA) made up 14.8% and those guaranteed by the Department of Veterans Affairs (VA) 9.2%. The typical similar lender, a state non-member bank making between half and twice as many loans, made neither. Home purchases were 79.0% of its lending.
Its loans fell 10% to 458 while similar lenders grew 9% and the whole market 10%; more than four in five of them grew faster. It made 224 loans in 2019, then 1,267 in 2020 and 1,479 in 2021. Its typical loan, $265,000, was larger than similar lenders' $175,000.
Majority-minority areas took 24.7% of its loans and low- and moderate-income (LMI) areas 23.6%, against 6.9% and 15.9% at similar lenders; both were higher than at about four in five of them. Its share to LMI borrowers, 24.6%, was below the middle, possibly because of its larger typical loan.
It has lent in Columbia, SC, since at least 1990 and ranks 17 of 515 lenders there. Its share slipped to 1.4% from 1.6%, perhaps because it made fewer loans. Guild Mortgage Company and United Wholesale Mortgage lead the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Palmetto Bank took 550 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.0% · Refinance 19.7% · Home improvement 1.3%
Conventional 73.4% · FHA 14.8% · VA 9.2% · USDA (RHS or FSA) 2.6% · of 458 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 | 431 | 94.1% |
| North Carolina | 17 | 3.7% |
| Georgia | 4 | 0.9% |
| Florida | 2 | 0.4% |
| Connecticut | 1 | 0.2% |
| Tennessee | 1 | 0.2% |
| Texas | 1 | 0.2% |
| Virginia | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbia | 276 |
| Greenville-Anderson-Greer | 55 |
| Myrtle Beach-Conway-North Myrtle Beach | 21 |
| Augusta-Richmond County | 19 |
| Charleston-North Charleston | 16 |
| Spartanburg | 14 |
| Charlotte-Concord-Gastonia | 12 |
| Florence | 2 |
| Wilmington | 2 |
| Asheville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z7EP1HO5CH1C36 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 586072 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 41509 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1701509 | 2011–2011 |
| Respondent ID (the HMDA filer code before 2018) | 328396 | 2012–2017 |
Established 1 January 1904. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Palmetto Bank's data.
First Palmetto Bank's data
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First Palmetto 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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