Applications / Mortgage Analytics / Lenders / South Carolina / The Bank of Clarendon
Manning, SC · State non-member bank · FDIC · $442 million assets · 80 loans in 2025
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80
loans originated, 2025
82
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Bank of Clarendon, a South Carolina bank, makes far more of its loans in majority-minority neighborhoods than similar banks do: 39.2% in 2025, against 6.6%.
That share is higher than at nearly nine in ten similar lenders (state non-member banks making between half and twice as many loans). It was 51.2% in 2024. Its home markets may explain it: rural South Carolina, Sumter and Florence may hold many such neighborhoods. Its share in poorer neighborhoods (low- and moderate-income, or LMI, tracts), 16.5%, was close to the 18.6% at similar lenders.
It made 80 loans, the same as in 2024, while similar lenders grew 9% and the whole market 10%. Demand in its small home markets may account for the flat year. Purchases made up 57.5% and refinances 37.5%; every loan was conventional. It filed no report for 2020 to 2022; those years are gaps in the record, not years without lending.
Its biggest shares are in two small metros. In Sumter it ranks 28 of 193 lenders with 0.8%, down from 0.9%; in Florence it ranks 35 of 256 with 0.6%, up from 0.5%. Mortgage Research Center leads Sumter and Rocket Mortgage leads Florence. With 80 loans a year, a handful either way moves those shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The Bank of Clarendon took 82 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.5% · Refinance 37.5% · Home improvement 2.5% · Other 2.5%
Conventional 100.0% · of 80 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 | 80 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sumter | 23 |
| Florence | 16 |
| Columbia | 4 |
| Charleston-North Charleston | 3 |
| Greenville-Anderson-Greer | 1 |
| Myrtle Beach-Conway-North Myrtle Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LPLWFD36TB5P09 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3720 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315671 | 2013–2017 |
Established 1 July 1939. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: The Bank of Clarendon's data.
The Bank of Clarendon's data
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