Applications / Mortgage Analytics / Lenders / South Carolina / The Peoples Bank
Iva, SC · State non-member bank · FDIC · $439 million assets · 101 loans in 2025
The Peoples Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
101
loans originated, 2025
112
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Peoples Bank, a South Carolina bank based in Iva, grew its home lending 44% in 2025, faster than nearly nine in ten similar banks.
Its loans rose from 70 to 101, close to the 107 it made in 2020. Similar lenders (state non-member banks making between half and twice as many loans) grew 9% and the whole market 10%. Refinancing made up 62.4% of its loans and purchases the rest; it made no home-improvement or other loans.
It made 34.6% of its loans in low- and moderate-income neighborhoods, against 18.3% at similar lenders, a higher share than nearly nine in ten of them. The share was the same in 2020, so this is a lasting feature of where it lends rather than a one-year swing.
Its biggest market is Greenville-Anderson-Greer, where it has lent since at least 1990 and ranked 74 of 589 lenders. Its dollar share there slipped 0.1 points, to 0.3%. Smaller loans are one plausible reason: its typical loan fell from $295,000 in 2024 to $155,000, so more loans brought fewer dollars each. Rocket Mortgage and United Wholesale Mortgage led the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Peoples Bank took 112 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 62.4% · Purchase 37.6%
Conventional 100.0% · of 101 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 | 101 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Greenville-Anderson-Greer | 93 |
| Charleston-North Charleston | 2 |
| Spartanburg | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900DEMD2F6Z046A71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 285928 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316968 | 1990–2017 |
Established 2 January 1951. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Peoples Bank's data.
The Peoples Bank's data
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The Peoples 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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