An even product mix
Home improvement was 27.1% of its loans, purchases 25.8%, refinances 24.4% and other purposes 22.6%. Its typical loan, $115,000, was near the middle of similar lenders (credit unions making between half and twice as many loans).
Applications / Mortgage Analytics / Lenders / South Carolina / SRP Federal Credit Union
SRP Federal Credit Union
North Augusta, SC · Credit union · NCUA · $2.1 billion assets · 782 loans in 2025
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782
loans originated, 2025
1,216
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
SRP Federal Credit Union is an Augusta-area credit union with an even mix of home-improvement, purchase, refinance and other loans, ranking 6 of 461 lenders in Augusta-Richmond County.
Less government-backed lending than in 2020
FHA loans (insured by the Federal Housing Administration) were 2.3% of its loans and VA loans (guaranteed by the Department of Veterans Affairs) 1.0%, down from 7.1% and 9.0% five years before. Most similar lenders make no such loans; their typical share of each was 0.0%.
More lending to LMI borrowers than most peers
LMI (low- and moderate-income) borrowers took 31.0% of its loans, up from 21.0% five years before and higher than about two-thirds of similar lenders, where the share was 27.3%. Majority-minority areas took 22.4%, against 10.5% at peers, higher than about seven in ten.
Steady in its home market
In Augusta-Richmond County, where it has lent since before 1990, its share held at 3.6%, ranking 6 of 461 lenders, behind a field led by Rocket Mortgage and United Wholesale Mortgage. Originations rose 7% to 782, close to similar lenders' 8% and below the whole market's 10%, and level with its 791 loans of 2020.
Questions the data can answer next
- Which Augusta-area counties make up its lending, and how do its rates compare with peers' by loan purpose?
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
782 loans in 2025, against a peak of 830 in 2019.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. SRP Federal Credit Union took 1,216 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
27.1% of its 2025 loans were home improvement loans; 96.7% were Conventional.
Home improvement 27.1% · Purchase 25.8% · Refinance 24.4% · Other 22.6%
Conventional 96.7% · FHA 2.3% · VA 1.0% · of 782 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
2 states, 11 metros, 40 counties
| State | Loans | Share |
|---|---|---|
| South Carolina | 479 | 61.3% |
| Georgia | 303 | 38.7% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Augusta-Richmond County | 690 |
| Columbia | 9 |
| Atlanta-Sandy Springs-Roswell | 7 |
| Charleston-North Charleston | 4 |
| Greenville-Anderson-Greer | 4 |
| Savannah | 3 |
| Charlotte-Concord-Gastonia | 1 |
| Hilton Head Island-Bluffton-Port Royal | 1 |
| Marietta | 1 |
| Myrtle Beach-Conway-North Myrtle Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300K80E72C24ZOJ37 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 437192 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524410 | 1991–2017 |
Established 1 January 1960. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: SRP Federal Credit Union's data.
The data and the software behind these pages
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