Applications / Mortgage Analytics / Lenders / South Carolina / Pickens Savings and Loan Association, FA
Pickens, SC · Savings institution · OCC · $135 million assets · 38 loans in 2025
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38
loans originated, 2025
44
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pickens Savings and Loan Association, FA is a small South Carolina thrift that lends almost entirely to home buyers, and its lending shrank for a second year in 2025.
Purchases made up 86.8% of its 38 loans and refinances the rest. All were conventional. Its typical loan was $305,000, against $245,000 at similar lenders, savings institutions making between half and twice as many loans, putting it a little above the middle of the group.
Its loans fell 16%, from 45 to 38, while similar lenders slipped 3% and the whole market grew 10%. It made 54 in 2018. It filed no report for 2020 to 2022, when a lender making fewer than 100 loans need not report, so those years are a gap in its record, not a fall. At this size a few loans either way make a large difference to the rate of change.
Greenville-Anderson-Greer, a market it has served since at least 1990, is its largest. Its share there held at 0.2%, ranking it 129 of 589 lenders; Rocket Mortgage and United Wholesale Mortgage lead. It lends in five counties of South Carolina.
Some 28.9% of its loans were in low- and moderate-income neighborhoods, against 16.7% at similar lenders, a higher share than about four in five of them. None were in majority-minority neighborhoods, against 7.2% at peers; the makeup of the few counties it serves may explain the gap. With only 38 loans, these shares can swing from year to year.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Pickens Savings and Loan Association, FA took 44 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 86.8% · Refinance 13.2%
Conventional 100.0% · of 38 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 | 38 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Greenville-Anderson-Greer | 34 |
| Myrtle Beach-Conway-North Myrtle Beach | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300K0FXK3ZRZ9QA66 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 884376 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 46359 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1706359 | 2011–2017 |
Established 1 January 1920. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Pickens Savings and Loan Association, FA's data.
Pickens Savings and Loan Association, FA's data
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Pickens Savings and Loan Association, FA 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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