Applications / Mortgage Analytics / Lenders / South Carolina / Carolina Foothills Federal Credit Union
Spartanburg, SC · Credit union · NCUA · $218 million assets · 31 loans in 2025
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31
loans originated, 2025
67
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Carolina Foothills Federal Credit Union, a Spartanburg lender that has reported home loans since 1993, made 31 in 2025, fewer than half its 2021 total.
It made 61 loans in 2020 and 67 in 2021, then fell to 25 in 2023. Its 31 loans in 2025 were 9% fewer than in 2024, while similar lenders, meaning credit unions making between half and twice as many loans, fell 2%. The record does not say why.
Its typical loan, $175,000, was larger than at about four in five similar credit unions, whose typical loan was $95,000. Purchases made up 64.5% of its lending and refinancing 35.5%, all conventional.
It lends in one state, across five counties. In Spartanburg, where it has lent since 1993, it ranks 122 of 409 lenders; DHI Mortgage Company leads. It merged with Community 1 Federal Credit Union in 2011, and that credit union's filings count as its own in the market figures.
With 31 loans, the shares going to poorer borrowers and neighborhoods swing with a few loans. Its share in poorer neighborhoods, for example, fell from 25.8% to 13.8% in a 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Carolina Foothills Federal Credit Union took 67 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.5% · Refinance 35.5%
Conventional 100.0% · of 31 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 | 31 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Spartanburg | 14 |
| Greenville-Anderson-Greer | 12 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QBV10SC3TEU133 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 839189 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 513476 | 1993–2017 |
Established 1 January 1960. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Carolina Foothills Federal Credit Union's data.
Carolina Foothills Federal Credit Union's data
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Carolina Foothills 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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