First Community Bank (South Carolina) mortgage approval rate & lending review
First Community Bank (South Carolina) decided 1,146 mortgage applications and funded 1,075 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Community Bank (South Carolina) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Community Bank (South Carolina) at a glance
Approval is 9.2 points above the 85.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 828 / 871 | 100% | $275K | 825 |
| Cash-out refinance | 88% | 37 / 42 | 100% | $125K | 37 |
| Refinance | 90% | 38 / 42 | 100% | $345K | 38 |
| Investment property purchase | 97% | 126 / 130 | 94% | $175K | 119 |
| Investment refinance | 97% | 28 / 29 | 100% | $175K | 28 |
First Community Bank (South Carolina) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| South Carolina | 95% | $275K | 1,001 | 941 |
| Georgia | 91% | $255K | 102 | 93 |
| North Carolina | 94% | $345K | 35 | 33 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Community Bank (South Carolina) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lexington County, SC | Mortgage lenders | 96% | 263 | 251 |
| Richland County, SC | Mortgage lenders | 96% | 140 | 134 |
| Greenville County, SC | Mortgage lenders | 96% | 108 | 103 |
| Anderson County, SC | Mortgage lenders | 93% | 56 | 52 |
| Pickens County, SC | Mortgage lenders | 95% | 55 | 52 |
| Aiken County, SC | Mortgage lenders | 100% | 41 | 40 |
| Richland County, SC | Investment property purchase | 100% | 39 | 36 |
| Columbia County, GA | Mortgage lenders | 100% | 29 | 29 |
| Lexington County, SC | Investment property purchase | 95% | 21 | 20 |
| Richmond County, GA | Mortgage lenders | 82% | 22 | 18 |
The county markets where First Community Bank (South Carolina) made the most loans. Each link opens that market with every lender ranked.
Questions about First Community Bank (South Carolina)
What is First Community Bank (South Carolina)'s mortgage approval rate?
First Community Bank (South Carolina) approved 94.8% of the 1,146 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.2 points above the 85.5% national rate for the same mix of loan types.
How often do borrowers take the loan First Community Bank (South Carolina) offers?
Borrowers accepted 99% of the loans First Community Bank (South Carolina) approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Community Bank (South Carolina) make?
The typical home purchase mortgage loan First Community Bank (South Carolina) made was $275K; across all loan types its typical loan ran from $125K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Community Bank (South Carolina) lend?
First Community Bank (South Carolina) decided applications in 10 of the states Fat Boy Data covers, most of them in South Carolina, Georgia and North Carolina.
Can I apply to First Community Bank (South Carolina) directly?
Yes. First Community Bank (South Carolina) is a bank or credit union with 161 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Community Bank (South Carolina)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Community Bank (South Carolina) treats applications, then get a rate quote from the lender.