Applications / Mortgage Analytics / Lenders / South Carolina / The Bank of South Carolina
Charleston, SC · State non-member bank · FDIC · $576 million assets · 139 loans in 2025
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139
loans originated, 2025
154
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Bank of South Carolina is a Charleston purchase lender whose loans run more than twice the size of similar banks', and which, unusually for its kind, makes government-backed loans.
Its typical loan in 2025 was $415,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), larger than at more than nine in ten. Jumbo loans, those above the conforming limit, made up 7.3% of its lending, against 1.4% at peers. Home purchases took 77.0% of its loans.
The typical similar bank makes only conventional loans. This one does not: 7.2% of its loans were insured by the Federal Housing Administration (FHA) and 9.4% guaranteed by the Department of Veterans Affairs (VA). Five years before, the shares were 2.7% and 1.7%.
Borrowers with low or moderate incomes (LMI) took 16.3% of its loans, against 28.0% at similar lenders. Its larger loans and focus on purchases in Charleston may account for some of that. Its share in LMI neighborhoods, 17.2%, was close to peers' 17.5%, and up from 8.2% five years before.
It has lent in Charleston since 1990, ranking 54 of 617 lenders, with an unchanged 0.5% share. Wells Fargo Bank leads. Its loans rose 9%, to 139, in step with similar lenders, though it made 603 in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Bank of South Carolina took 154 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.0% · Refinance 19.4% · Home improvement 2.9% · Other 0.7%
Conventional 83.5% · VA 9.4% · FHA 7.2% · of 139 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 | 129 | 92.8% |
| Florida | 2 | 1.4% |
| Ohio | 2 | 1.4% |
| Illinois | 1 | 0.7% |
| Michigan | 1 | 0.7% |
| Minnesota | 1 | 0.7% |
| North Carolina | 1 | 0.7% |
| Pennsylvania | 1 | 0.7% |
| Texas | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charleston-North Charleston | 113 |
| Hilton Head Island-Bluffton-Port Royal | 4 |
| Columbia | 3 |
| Sumter | 2 |
| Battle Creek | 1 |
| Chicago-Naperville-Schaumburg | 1 |
| Cleveland | 1 |
| Columbus | 1 |
| Dallas-Plano-Irving | 1 |
| Greenville-Anderson-Greer | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YQ763HO7N3CO68 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 246022 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326912 | 1990–2017 |
Established 26 February 1987. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Bank of South Carolina's data.
The Bank of South Carolina's data
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The Bank of South Carolina 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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