Applications / Mortgage Analytics / Lenders / South Carolina / First Capital Bank
Charleston, SC · State member bank · FRS · $1.1 billion assets · 74 loans in 2025
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74
loans originated, 2025
83
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Capital Bank, a South Carolina bank, makes large loans, many of them jumbo (larger than the conforming limit), and its lending grew faster in 2025 than at more than nine in ten similar lenders.
Its typical loan was $685,000, against $175,000 at similar lenders (state member banks making between half and twice as many loans). Jumbo loans made up 33.9% of its lending, against 1.8% at its peers. Both figures are higher than at nearly all of them. All its loans were conventional.
It made 74 loans, up 64% from 45, while similar lenders grew 8% and the whole market 10%. The rise follows a fall from 84 loans in 2023. It filed no report for 2020 to 2022, a gap in the record.
It bought 20 loans from other lenders, up from 8. The typical similar lender bought none.
In Charleston-North Charleston it ranked 55 of 617 lenders with an unchanged 0.5% share. It entered Columbia and Florence in 2025, with shares of 0.2% and 0.3%, and now lends in 13 metro areas across five states.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. First Capital Bank took 83 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.2% · Refinance 36.5% · Home improvement 1.4%
Conventional 100.0% · of 74 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 | 62 | 83.8% |
| North Carolina | 9 | 12.2% |
| Georgia | 1 | 1.4% |
| New York | 1 | 1.4% |
| Tennessee | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charleston-North Charleston | 54 |
| Columbia | 3 |
| Fayetteville | 3 |
| Pinehurst-Southern Pines | 3 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Florence | 1 |
| Hilton Head Island-Bluffton-Port Royal | 1 |
| Myrtle Beach-Conway-North Myrtle Beach | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
| New York-Jersey City-White Plains | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900LDLCTUL5TXVH85 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2849463 | 2019–2023 |
Established 27 September 1999. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: First Capital Bank's data.
First Capital Bank's data
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First Capital 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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