Beacon Community Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
60th7.5% deniedProcesswithdrawn + incomplete share, weight 15%
24th18.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 72 | 44 | 11.1% | 14.6% | — | $39M |
| 2024 | 127 | 91 | 5.5% | 6.9% | — | $98M |
| 2025 | 246 | 179 | 6.1% | 7.5% | — | $184M |
What Beacon Community Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 32 investment properties.
Who gets approved at Beacon Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $100k – $150k | 22 | 18 | 5.0% |
| $150k – $250k | 41 | 29 | 3.1% |
| Over $250k | 139 | 106 | 3.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 56 | 43 | 6.4% |
| 35–44 | 38 | 26 | 3.6% |
| 45–54 | 47 | 35 | 9.8% |
| 55–64 | 51 | 37 | 9.5% |
| 65–74 | 22 | 17 | 5.6% |
Where Beacon Community Bank lends
3 states and 19 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| South Carolina | 237 | 173 | 6.3% | — | #168 |
| North Carolina | 5 | 3 | 0.0% | — | #730 |
Frequently asked questions
Beacon Community Bank denied 7.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 60th percentile of small mortgage lenders.
In 2025, 82% of its applications were for home purchases, 14% for refinancing (including cash-out), and 4% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.