Lender in South Carolina · HMDA 2025
First Palmetto Bank mortgages in South Carolina
First Palmetto Bank's 2025 home-purchase and refinance lending in South Carolina, compared with all lenders in the state.
First Palmetto Bank originated 354 owner-occupied single-family loans in South Carolina from 367 completed applications.
Its median conventional purchase loan costs were $4,050 versus $5,190 for all South Carolina lenders, at a median 30-year fixed rate of 6.624% (South Carolina: 6.624%).
Loans in SC
354
of 367 applications
Denial rate
2.8%
Purchase · SC 8.8%
Rate spread
+0.17 pts
Conv. · SC +0.12 pts
Loan amount
$255,000
Purchase · SC $295,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 289 | 281 | 2.8% | 6.624% | +0.17 pts | $4,050 | $255,000 |
| Refinance | 48 | 43 | 8.3% | 6.500% | +0.16 pts | $3,310 | $375,000 |
| Cash-out refinance | 30 | 30 | 0.0% | 6.624% | +0.14 pts | $3,890 | $275,000 |
*Conventional loans only; medians with at least 20 loans.
South Carolina counties where First Palmetto Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Kershaw County | 7 | 39 | 3.2% |
| Calhoun County | 7 | 4 | 3.3% |
| Saluda County | 14 | 3 | 2.2% |
| Lexington County | 19 | 82 | 1.4% |
| Richland County | 23 | 101 | 1.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology