Applications / Mortgage Analytics / Lenders / South Carolina / Family Trust Federal Credit Union
Rock Hill, SC · Credit union · NCUA · $775 million assets · 118 loans in 2025
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118
loans originated, 2025
146
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Family Trust Federal Credit Union made a third fewer loans in 2025, yet lent more money, because its typical loan almost tripled in size.
It made 118 loans, down 33%, while similar lenders (credit unions making between half and twice as many loans) grew 8%; few of them fell as far. Yet it lent $26.0 million, up from $18.5 million, as its typical loan jumped to $175,000 from $65,000. A change that large in one year may reflect a shift in the kinds of loan it makes; which small loans it stopped making is the open question.
Its loan count has fallen every year since it peaked at 339 in 2022. Purchases now make up 44.9% of its loans and refinances 34.7%, all of them conventional.
Low- and moderate-income (LMI) borrowers took 46.2% of its loans, against 29.1% at similar credit unions, higher than about nine in ten. LMI neighborhoods took 28.8%, against 17.2%. With only 118 loans, a handful can move these shares.
Its largest market is Charlotte-Concord-Gastonia, where it ranked 187 of 775 lenders with an unchanged 0.1% share. United Wholesale Mortgage and Rocket Mortgage lead there. It lends in seven metros across two states.
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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Family Trust Federal Credit Union took 146 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 44.9% · Refinance 34.7% · Other 11.0% · Home improvement 9.3%
Conventional 100.0% · of 118 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
| State | Loans | Share |
|---|---|---|
| South Carolina | 112 | 94.9% |
| North Carolina | 6 | 5.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charlotte-Concord-Gastonia | 97 |
| Greenville-Anderson-Greer | 14 |
| Spartanburg | 2 |
| Charleston-North Charleston | 1 |
| Greensboro-High Point | 1 |
| Hickory-Lenoir-Morganton | 1 |
| Myrtle Beach-Conway-North Myrtle Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900756YRTYX32I428 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 930488 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511554 | 1991–2017 |
Established 1 January 1957. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Family Trust Federal Credit Union's data.
Family Trust Federal Credit Union's data
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Family Trust Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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