# First Community Bank

> **Canonical URL:** https://saferate.com/lenders/first-community-bank-sc


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


First Community Bank is a bank, headquartered in Lexington, SC, serving borrowers across 8 states, with 309 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 60% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 35% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493001HBUA9JSUEWO16
- **Headquarters:** Lexington, SC
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** FL, GA, NC, OK, SC, UT, VA, WI
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 40/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.250%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,691
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 309
- **Dollar Volume:** $116 million
- **Applications Received:** 403
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $373,964
- **Average Borrower Income:** $165,550
- **Average Property Value:** $513,641

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 241 | +0.224% | $2,645 | Sound ☺️ |
| FHA | 58/100 | 37 | +0.590% | $3,020 | Sound ☺️ |
| VA | 57/100 | 16 | -0.127% | $2,261 | Sound ☺️ |
| Jumbo | 68/100 | 14 | +0.438% | $4,273 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 228 loans, Score: 55/100 (Sound)

**FHA:**
- Purchase: 37 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 55/100 | 294 | $110M | +0.251% | Sound ☺️ |
| Refinance | 26/100 | 15 | $6M | +0.233% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| SC | 273 | 0.34% | 82/100 |
| GA | 19 | 0.01% | 46/100 |
| NC | 12 | 0.01% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Columbia, SC | SC | 134 | 84/100 |
| Greenville | SC | 65 | 73/100 |
| Non |  | 30 | 37/100 |
| Augusta | GA-SC | 28 | 61/100 |
| Charlotte | NC-SC | 22 | 52/100 |
| Spartanburg, SC | SC | 13 | 49/100 |

## Where This Lender Ranks

First Community Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Columbia, SC for Jumbo Loans
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in Columbia, SC for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#7** in Columbia, SC Banks
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/banks)
- 🏆 **#11** in Augusta Banks
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/banks)
- 🏆 **#12** in Columbia, SC for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/banks/va-loans)
- 🏆 **#13** in Columbia, SC for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#13** in Greenville Banks
  - [View Full Rankings](https://saferate.com/greenville/best-mortgage-lenders/banks)
- 🏆 **#13** in Augusta for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/banks/va-loans)
- 🏆 **#14** in South Carolina Banks
  - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/banks)
- 🏆 **#15** in South Carolina for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#15** in Columbia, SC
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders)
- 🏆 **#15** in Columbia, SC for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbia-sc/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Augusta for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in Spartanburg, SC for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/spartanburg-sc/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does First Community Bank offer?

First Community Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does First Community Bank offer mortgages?

First Community Bank offers mortgages in 8 states: FL, GA, NC, OK, SC, UT, VA, WI.

### How competitive are First Community Bank's mortgage rates?

First Community Bank has a pricing score of 40/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.250% above market average.

### What type of lender is First Community Bank?

First Community Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Lexington, SC.

### What is First Community Bank's loan approval success rate?

First Community Bank has a pull-through score of 65/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-community-bank-sc

### How to Cite

> "First Community Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-community-bank-sc

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