Applications / Mortgage Analytics / Lenders / South Carolina / Bank of York
York, SC · State non-member bank · FDIC · $306 million assets · 42 loans in 2025
Bank of York's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
42
loans originated, 2025
51
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of York lends on manufactured homes far more than other banks its size: they made up 40.5% of its loans in 2025.
Manufactured homes made up 40.5% of its loans, against 2.7% at similar lenders (lenders of the same type making between half and twice as many loans). Almost none of them had a higher share. Refinances made up more than half its loans. Its typical loan, at $125,000, was smaller than the $165,000 at similar lenders, as that mix would suggest.
Borrowers with low and moderate incomes (LMI) took 48.5% of its loans, against 27.8% at similar lenders. That is more than at about nine in ten of them. The share was 44.4% a year earlier, so this is a lasting feature of its lending, not a one-year blip.
Its loan count rose by 14%, from 37 to 42, while similar lenders grew by 2% and the whole market by 10%. It filed no report for 2021 or 2022; those years are gaps in the record, not years without lending.
Its main market is Charlotte-Concord-Gastonia, where it has lent since at least 1990 and ranks 318 of 775 lenders. It lends in just 2 counties.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 York took 51 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 57.1% · Purchase 38.1% · Home improvement 2.4% · Other 2.4%
Conventional 100.0% · of 42 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 | 41 | 97.6% |
| North Carolina | 1 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charlotte-Concord-Gastonia | 41 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003F21XWNPQFEE34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 922924 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315104 | 1990–2017 |
Established 15 April 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bank of York's data.
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Bank of York 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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