First Community Bank in South Carolina vs the state
4.0%Denial rate-14.31 pts vs state
4.6%Decision denial rate-18.86 pts vs state
81.2%Origination rate+24.61 pts vs state
6.70%Median rate+0.20 pts vs state
0.46Rate spread (pts)+0.24 pts vs state
$119kMedian applicant income
467Loans originated
23Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 513 | 395 | 7.4% | 6.50% | #88 |
| 2024 | 480 | 374 | 3.3% | 6.88% | #91 |
| 2025 | 575 | 467 | 4.0% | 6.70% | #89 |
What First Community Bank lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most First Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lexington County | 142 | 119 | 2 | 1.4% |
| Richland County | 103 | 80 | 5 | 4.9% |
| Greenville County | 56 | 50 | 1 | 1.8% |
| Newberry County | 29 | 27 | 0 | 0.0% |
| Anderson County | 28 | 25 | 1 | 3.6% |
| Spartanburg County | 23 | 18 | 1 | 4.3% |
| Aiken County | 23 | 18 | 2 | 8.7% |
| Pickens County | 22 | 20 | 1 | 4.5% |
| York County | 16 | 11 | 3 | 18.8% |
| Laurens County | 11 | 8 | 1 | 9.1% |
Other large lenders in South Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,403 | 16.8% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 12,272 | 40.7% | 6.50% |
| United Shore Financial Services | B | 9,236 | 12.8% | 6.13% |
| 21st Mortgage | F | 6,510 | 48.2% | 10.41% |
| Dhi Mortgage Company | B | 6,184 | 17.4% | 4.99% |
| Navy Federal Credit Union | D | 5,424 | 21.2% | 7.50% |
| First-Citizens Bank & Trust | B | 5,399 | 20.9% | 6.38% |
| Freedom Mortgage | B | 5,296 | 7.3% | 6.25% |
| Mortgage Research Center | C | 5,189 | 19.1% | 6.25% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
Frequently asked questions
South Carolina: 575 applications in 2025, of which 467 were originated and 23 denied.
4.0% of all applications, or 4.6% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans First Community Bank originated in South Carolina in 2025 was 6.70%, against a statewide median of 6.50%.
About this data. Figures are First Community Bank's own HMDA filing for properties located in South Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology