Applications / Mortgage Analytics / Lenders / South Carolina / Palmetto State Bank
Hampton, SC · State non-member bank · FDIC · $623 million assets · 56 loans in 2025
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56
loans originated, 2025
70
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Palmetto State Bank, a South Carolina lender, does most of its lending in majority-minority neighborhoods, though its loans fell by a third in 2025.
Some 57.1% of its loans were in majority-minority neighborhoods, against 6.5% at similar lenders, meaning state non-member banks making between half and twice as many loans. That is higher than about nineteen in twenty of them. Its share of loans in low- and moderate-income neighborhoods, 21.8%, was a little above their 18.6%.
Its typical loan was $115,000, against $167,500 at similar lenders. Manufactured homes made up 12.5% of loans, against 2.7%, which may help explain the smaller sums. Purchases were 48.2% of its lending and refinancing 28.6%.
It made 56 loans in 2025, down 33% from 83, while similar lenders grew by 7% and the whole market by 10%. Only about one in twenty similar lenders had a steeper fall. The fall continues a longer slide from 353 loans in 2020. Yet the dollars it lent rose, from $22.0 million to $23.2 million, so the drop may reflect fewer small loans rather than a retreat.
In Hilton Head Island-Bluffton-Port Royal, its largest market, its share fell from 0.5% to 0.2% and it ranked 89 of 489 lenders. Northpoint Mortgage and TD Bank led. Its own drop in loans may account for the slip; it first reported to HMDA in 2014.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Palmetto State Bank took 70 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.2% · Refinance 28.6% · Home improvement 12.5% · Other 10.7%
Conventional 100.0% · of 56 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 | 52 | 92.9% |
| Georgia | 4 | 7.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hilton Head Island-Bluffton-Port Royal | 15 |
| Greenville-Anderson-Greer | 2 |
| Savannah | 2 |
| Charleston-North Charleston | 1 |
| Columbia | 1 |
| Spartanburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RV76T00EYJVR19 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 277820 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317563 | 2014–2017 |
Established 1 January 1907. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Palmetto State Bank's data.
Palmetto State Bank's data
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Palmetto State 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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