Lender in South Carolina · HMDA 2025
Gateway First Bank mortgages in South Carolina
Gateway First Bank's 2025 home-purchase and refinance lending in South Carolina, compared with all lenders in the state.
Gateway First Bank originated 507 owner-occupied single-family loans in South Carolina from 528 completed applications.
Its median conventional purchase loan costs were $4,760 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
507
of 528 applications
Denial rate
3.4%
Purchase · SC 8.8%
Rate spread
+0.24 pts
Conv. · SC +0.12 pts
Loan amount
$305,000
Purchase · SC $295,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 475 | 459 | 3.4% | 6.625% | +0.24 pts | $4,760 | $305,000 |
| Refinance | 34 | 31 | 8.8% | — | +0.16 pts | $4,000 | $345,000 |
| Cash-out refinance | 19 | 17 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
South Carolina counties where Gateway First Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Georgetown County | 1 | 63 | 8.4% |
| Beaufort County | 4 | 160 | 4.5% |
| Clarendon County | 4 | 11 | 4.5% |
| Lee County | 4 | 4 | 5.4% |
| Sumter County | 6 | 82 | 5.6% |
| Hampton County | 7 | 3 | 2.8% |
| Williamsburg County | 14 | 2 | 1.8% |
| Horry County | 15 | 130 | 1.5% |
| Jasper County | 20 | 13 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology