Applications / Mortgage Analytics / Lenders / South Carolina / The Commercial Bank
Honea Path, SC · State non-member bank · FDIC · $264 million assets · 38 loans in 2025
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38
loans originated, 2025
42
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Commercial Bank is a small-loan lender in the Greenville-Anderson-Greer area whose 38 loans in 2025 were 36% more than the year before, a faster rise than at about four in five similar lenders.
Its loans rose from 28 to 38. Similar lenders, other state non-member banks making between half and twice as many loans, grew by 2%, and the whole market by 10%. The record has gaps: the bank filed no report for 2020 to 2022, when a bank making fewer than 100 closed-end loans a year need not report. Even after the rise it made fewer loans than the 54 of 2018.
Its typical loan was $105,000, against $167,500 at similar lenders, smaller than at all but about an eighth of them. Manufactured homes made up 13.2% of its loans, against 2.6% at similar lenders, which may explain part of the gap. Refinances were 55.3% of its lending, and every loan was conventional.
Some 35.5% of its loans went to low- and moderate-income (LMI) borrowers, against 26.9% at similar lenders, more than at about two-thirds of them. Another 15.8% were in majority-minority neighborhoods, against 6.3%. With only 38 loans, a few loans move these shares by several points, so they are not a firm pattern; they may reflect the six counties it serves.
The bank has lent in Greenville-Anderson-Greer since at least 1990. It ranks 254 of 589 lenders there, a market Rocket Mortgage and United Wholesale Mortgage lead, and its share rounds to 0.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Commercial Bank took 42 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 55.3% · Purchase 42.1% · Home improvement 2.6%
Conventional 100.0% · of 38 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 | 38 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Greenville-Anderson-Greer | 19 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TZ2F3RROX2Q179 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 349129 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314642 | 1990–2017 |
Established 14 May 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Commercial Bank's data.
The Commercial Bank's data
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The Commercial 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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