Lender in South Carolina · HMDA 2025
First Community Bank mortgages in South Carolina
First Community Bank's 2025 home-purchase and refinance lending in South Carolina, compared with all lenders in the state.
First Community Bank originated 336 owner-occupied single-family loans in South Carolina from 348 completed applications.
Its median conventional purchase loan costs were $7,710 versus $5,190 for all South Carolina lenders, at a median 30-year fixed rate of 6.625% (South Carolina: 6.624%).
Loans in SC
336
of 348 applications
Denial rate
2.6%
Purchase · SC 8.8%
Rate spread
+0.50 pts
Conv. · SC +0.12 pts
Loan amount
$325,000
Purchase · SC $295,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 309 | 299 | 2.6% | 6.625% | +0.50 pts | $7,710 | $325,000 |
| Refinance | 27 | 26 | 3.7% | — | +0.28 pts | $3,580 | $265,000 |
| Cash-out refinance | 12 | 11 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
South Carolina counties where First Community Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Newberry County | 4 | 17 | 4.8% |
| Saluda County | 5 | 5 | 3.6% |
| Fairfield County | 6 | 5 | 2.8% |
| Calhoun County | 6 | 4 | 3.3% |
| Lee County | 9 | 2 | 2.7% |
| Lexington County | 16 | 91 | 1.6% |
| Chesterfield County | 16 | 4 | 1.2% |
| Cherokee County | 22 | 5 | 0.9% |
| Edgefield County | 24 | 5 | 1.1% |
| Marlboro County | 25 | 1 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology