Applications / Mortgage Analytics / Lenders / South Carolina / CBL State Savings Bank
Greer, SC · Savings institution · FDIC · $188 million assets · 45 loans in 2025
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45
loans originated, 2025
60
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CBL State Savings Bank has shrunk every year since 2019: it made 45 loans in 2025, about a third of the 134 it made then.
Its originations fell 24% in 2025, from 59. Similar lenders (savings institutions making between half and twice as many loans) fell 1%, and the whole market grew 10%. The data do not say why. A small savings bank's volume can turn on a few loan officers or a narrower focus.
Its typical loan rose to $225,000 from $165,000, so part of the fall in numbers may be a shift toward larger loans. That is still below the $245,000 at similar lenders. Every loan was conventional, and the purposes were evenly spread: purchases took 33.3%, other purposes 31.1% and refinancing 26.7%.
Low- and moderate-income (LMI) borrowers took 29.3% of its loans, up from 23.4% and above the 22.9% at similar lenders. That puts it above about three in five of them. Its shares in poorer neighborhoods and in majority-minority areas sat a little below the middle of its peers.
It has lent in Spartanburg and in Greenville-Anderson-Greer since at least 1990. In Spartanburg its share fell 0.2 points to 0.2%, ranking it 103 of 409 lenders. At its size, a few loans either way could account for that.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CBL State Savings Bank took 60 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 33.3% · Other 31.1% · Refinance 26.7% · Home improvement 8.9%
Conventional 100.0% · of 45 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 | 45 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Greenville-Anderson-Greer | 21 |
| Spartanburg | 21 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300563RCDKOF2Y487 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 851172 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 47583 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1707583 | 2011–2011 |
| Respondent ID (the HMDA filer code before 2018) | 331900 | 2012–2017 |
Established 1 January 1907. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: CBL State Savings Bank's data.
CBL State Savings Bank's data
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CBL State Savings Bank 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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