Applications / Mortgage Analytics / Lenders / South Carolina / First Piedmont Federal Savings and Loan Association of Gaffney
Gaffney, SC · Savings institution · OCC · $581 million assets · 184 loans in 2025
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184
loans originated, 2025
209
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Piedmont Federal Savings and Loan Association of Gaffney, a South Carolina savings institution, lends more for other purposes than for home purchase, and it made 32% fewer loans in 2025.
Other purposes made up 41.3% of its loans, home purchases 36.4% and refinances 20.1%. All were conventional, and none was jumbo (larger than the conforming limit). Its typical loan, $160,000, was smaller than the $230,000 at similar lenders (savings institutions making between half and twice as many loans).
Its loans fell 32% to 184, while similar lenders grew 7% and the whole market 10%; its change was lower than nearly all of them. It made 521 loans in 2023 and 269 in 2024. With 41.3% of its loans for other purposes, swings in that line could move the total.
In Spartanburg, SC, where it has lent since at least 1990, it ranked 26 of 409 lenders with 0.9% of the market, down from 1.3% the year before. The fall may follow its lower loan count. DHI Mortgage Company, Rocket Mortgage and United Wholesale Mortgage lead there.
Its typical rate was 7.50%, against 6.50% at similar lenders, higher than more than four in five of them. Its large share of other-purpose loans, which can be priced differently from first mortgages, is one possible reason. None of its loans was higher-priced (a rate well above the average for similar loans).
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Piedmont Federal Savings and Loan Association of Gaffney took 209 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 41.3% · Purchase 36.4% · Refinance 20.1% · Not applicable 2.2%
Conventional 100.0% · of 184 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 | 184 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Spartanburg | 99 |
| Greenville-Anderson-Greer | 25 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JH8TVR84H1BL45 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 646172 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 42502 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1702502 | 2011–2017 |
Established 1 January 1933. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Piedmont Federal Savings and Loan Association of Gaffney's data.
First Piedmont Federal Savings and Loan Association of Gaffney's data
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