First Community Bank
First Community Bank received 663 applications in 2025 and made 529 mortgages, in 68 counties across 10 states. The median rate its borrowers got was 6.700% on a median loan of $285,000. Of 565 decisions, 27 were denials — 4.8%, most often for collateral.
| Legal Entity Identifier | 5493001HBUA9JSUEWO16 |
|---|---|
| Applications received | 663 |
| Mortgages made | 529 |
| Denied | 27 |
| Approved, not taken up | 9 |
| Withdrawn or incomplete | 98 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.463 points |
| FDIC-insured bank | Yes: First Community Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 444 | 6.700% | $295,000 | 3.9% |
| Refinancing | 43 | 6.750% | $265,000 | 6.4% |
| Cash-out refinancing | 20 | 6.875% | $185,000 | 9.1% |
| Other purposes | 22 | 6.950% | $145,000 | 14.3% |
Where First Community Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lexington County, SC | 119 | 6.750% | 1.6% |
| Richland County, SC | 80 | 6.700% | 5.6% |
| Greenville County, SC | 50 | 6.700% | 1.9% |
| Newberry County, SC | 27 | 6.700% | 0.0% |
| Anderson County, SC | 25 | 6.875% | 3.9% |
| Pickens County, SC | 20 | 6.700% | 4.8% |
| Aiken County, SC | 18 | 6.750% | 10.0% |
| Spartanburg County, SC | 18 | 6.700% | 5.3% |
| Richmond County, GA | 17 | 6.875% | 5.6% |
| Columbia County, GA | 13 | 6.625% | 7.1% |
| York County, SC | 11 | 6.500% | 21.4% |
| Laurens County, SC | 8 | Under 10 loans | 11.1% |
| Charleston County, SC | 7 | Under 10 loans | 0.0% |
| Kershaw County, SC | 7 | Under 10 loans | 12.5% |
| Saluda County, SC | 7 | Under 10 loans | 0.0% |
| Cherokee County, SC | 6 | Under 10 loans | 0.0% |
| Fairfield County, SC | 6 | Under 10 loans | 0.0% |
| Lancaster County, SC | 6 | Under 10 loans | 0.0% |
| Calhoun County, SC | 5 | Under 10 loans | 0.0% |
| Edgefield County, SC | 5 | Under 10 loans | 16.7% |
| Oconee County, SC | 5 | Under 10 loans | 0.0% |
| Sumter County, SC | 5 | Under 10 loans | 0.0% |
| Henderson County, NC | 4 | Under 10 loans | 0.0% |
| Union County, NC | 4 | Under 10 loans | 0.0% |
| Beaufort County, SC | 4 | Under 10 loans | 0.0% |
| Chester County, SC | 4 | Under 10 loans | 20.0% |
| Chesterfield County, SC | 4 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 3 | Under 10 loans | 0.0% |
| Horry County, SC | 3 | Under 10 loans | 25.0% |
| Orangeburg County, SC | 3 | Under 10 loans | 25.0% |
| Fulton County, GA | 2 | Under 10 loans | 0.0% |
| Barnwell County, SC | 2 | Under 10 loans | 0.0% |
| Berkeley County, SC | 2 | Under 10 loans | 0.0% |
| Colleton County, SC | 2 | Under 10 loans | 0.0% |
| Florence County, SC | 2 | Under 10 loans | 0.0% |
| Lee County, SC | 2 | Under 10 loans | 33.3% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Bulloch County, GA | 1 | Under 10 loans | 0.0% |
| Burke County, GA | 1 | Under 10 loans | 0.0% |
| Chatham County, GA | 1 | Under 10 loans | 0.0% |
| Cherokee County, GA | 1 | Under 10 loans | 0.0% |
| DeKalb County, GA | 1 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 1 | Under 10 loans | 0.0% |
| Henry County, GA | 1 | Under 10 loans | 0.0% |
| Jefferson County, GA | 1 | Under 10 loans | 0.0% |
| Washoe County, NV | 1 | Under 10 loans | 0.0% |
| Carroll County, NH | 1 | Under 10 loans | 0.0% |
| Brunswick County, NC | 1 | Under 10 loans | 0.0% |
| Cabarrus County, NC | 1 | Under 10 loans | 0.0% |
| Durham County, NC | 1 | Under 10 loans | 0.0% |
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When First Community Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.