Applications / Mortgage Analytics / Lenders / South Carolina / Dedicated Community Bank
Darlington, SC · State non-member bank · FDIC · $103 million assets · 27 loans in 2025
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27
loans originated, 2025
30
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Dedicated Community Bank, a small bank in Darlington, South Carolina, makes a few dozen modest home loans a year, most of them to home buyers, with Florence its largest market.
It made 27 loans in 2025, up from 17 the year before. Most were home purchases, all conventional. Its typical loan was $105,000, against $172,500 at similar lenders, state non-member banks making between half and twice as many loans. All its lending was in South Carolina.
Florence is its largest market. It ranked 48 of 256 lenders there, with 0.4% of the market against 0.5% a year before. The leaders are national lenders, led by Rocket Mortgage and Movement Mortgage. A few loans are enough to move a share this small, so the dip says little.
The bank was founded in 1986 as Darlington County Bank and took its present name in 2009. It first reported under HMDA in 2004. It filed no report from 2020 to 2022; since 2020 a bank making fewer than 100 closed-end loans a year need not report, so those are gaps in the record, not years without lending. With 27 loans, its shares of lending to poorer borrowers and neighborhoods are too small to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Dedicated Community Bank took 30 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.4% · Refinance 25.9% · Home improvement 3.7%
Conventional 100.0% · of 27 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 | 27 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Florence | 21 |
| Sumter | 2 |
| Columbia | 1 |
| Myrtle Beach-Conway-North Myrtle Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002Q3RPRW6RCXC39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 513322 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326588 | 2004–2017 |
Established 10 March 1986. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Dedicated Community Bank's data.
Dedicated Community Bank's data
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Dedicated Community 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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