Applications / Mortgage Analytics / Lenders / South Carolina / Arthur State Bank
Union, SC · State non-member bank · FDIC · $814 million assets · 291 loans in 2025
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291
loans originated, 2025
386
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Arthur State Bank, a South Carolina bank strongest in Spartanburg, grew its mortgage lending by 40% in 2025, faster than more than nine in ten similar banks.
The bank made 291 loans, up from 208 in 2024. Similar lenders (state non-member banks making between half and twice as many loans) grew by 8% and the whole market by 10%. Purchases drove the book, at 73.2% of its loans. It is still well below the 747 loans of 2020.
It gained share in three South Carolina metros. In Spartanburg it ranked 32 of 409 lenders, with 0.8%, up from 0.6%. In Greenville-Anderson-Greer and Columbia its share rose to 0.3% from 0.2%.
Its typical loan was $265,000, against $175,000 at similar banks, and 6.0% of its loans were jumbo (larger than the conforming limit), against 1.4%. Both are higher than at more than four in five peers.
A quarter of its loans, 25.1%, went to low- and moderate-income (LMI) neighborhoods, against 16.8% at similar banks. But only 22.7% of its borrowers had LMI incomes, against 28.4%, and down from 31.8% in 2024. Its larger loans, which need larger incomes, may explain the gap.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Arthur State Bank took 386 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.2% · Refinance 18.2% · Other 7.2% · Home improvement 1.4%
Conventional 100.0% · of 291 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 | 281 | 96.6% |
| North Carolina | 9 | 3.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Spartanburg | 92 |
| Greenville-Anderson-Greer | 62 |
| Charlotte-Concord-Gastonia | 56 |
| Columbia | 46 |
| Charleston-North Charleston | 3 |
| Myrtle Beach-Conway-North Myrtle Beach | 3 |
| Florence | 1 |
| Greensboro-High Point | 1 |
| Hilton Head Island-Bluffton-Port Royal | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DK682S26NIMG70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 591320 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315085 | 1997–2017 |
Established 1 April 1933. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: Arthur State Bank's data.
Arthur State Bank's data
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