Lender in South Carolina · HMDA 2025
First-Citizens Bank & Trust Company mortgages in South Carolina
First-Citizens Bank & Trust Company's 2025 home-purchase and refinance lending in South Carolina, compared with all lenders in the state.
First-Citizens Bank & Trust Company originated 1,148 owner-occupied single-family loans in South Carolina from 1,367 completed applications, making it the state's #18 lender by volume.
Its median conventional purchase loan costs were $5,050 versus $5,190 for all South Carolina lenders, at a median 30-year fixed rate of 6.375% (South Carolina: 6.624%).
Loans in SC
1,148
of 1,367 applications
Denial rate
11.9%
Purchase · SC 8.8%
Rate spread
+0.02 pts
Conv. · SC +0.12 pts
Loan amount
$315,000
Purchase · SC $295,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,089 | 949 | 11.9% | 6.375% | +0.02 pts | $5,050 | $315,000 |
| Refinance | 126 | 92 | 23.8% | 6.375% | −0.07 pts | $4,770 | $385,000 |
| Cash-out refinance | 152 | 107 | 28.9% | 6.750% | +0.30 pts | $4,160 | $185,000 |
*Conventional loans only; medians with at least 20 loans.
South Carolina counties where First-Citizens Bank & Trust Company ranks in the top 25
Showing the 30 counties where it ranks highest, of 33.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Marlboro County | 2 | 10 | 9.2% |
| Saluda County | 4 | 6 | 4.4% |
| Darlington County | 6 | 23 | 4.1% |
| Newberry County | 6 | 12 | 3.4% |
| Dillon County | 6 | 6 | 4.2% |
| Williamsburg County | 6 | 5 | 4.6% |
| Georgetown County | 8 | 17 | 2.3% |
| Marion County | 8 | 7 | 4.0% |
| Charleston County | 9 | 148 | 2.2% |
| Orangeburg County | 9 | 17 | 2.4% |
| Greenwood County | 9 | 14 | 1.8% |
| Chesterfield County | 9 | 12 | 3.5% |
| Richland County | 11 | 165 | 2.3% |
| Abbeville County | 11 | 5 | 2.4% |
| Pickens County | 12 | 31 | 1.8% |
| Chester County | 13 | 10 | 1.9% |
| Oconee County | 14 | 13 | 1.2% |
| Florence County | 15 | 26 | 1.8% |
| Fairfield County | 15 | 4 | 2.3% |
| Bamberg County | 15 | 2 | 3.1% |
| Beaufort County | 17 | 50 | 1.4% |
| Kershaw County | 17 | 19 | 1.6% |
| Allendale County | 17 | 1 | 4.0% |
| Colleton County | 18 | 5 | 1.6% |
| Sumter County | 19 | 21 | 1.4% |
| Lexington County | 21 | 79 | 1.4% |
| Aiken County | 22 | 31 | 1.0% |
| Lancaster County | 22 | 26 | 1.1% |
| McCormick County | 22 | 2 | 1.6% |
| Spartanburg County | 23 | 78 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology