Applications / Mortgage Analytics / Lenders / South Carolina / SPC Credit Union
Hartsville, SC · Credit union · NCUA · $254 million assets · 20 loans in 2025
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20
loans originated, 2025
79
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
SPC Credit Union is a small South Carolina credit union that has made about 20 mortgage loans a year since 2023, a fraction of what it made in 2020.
It made 144 loans in 2020 and 87 in 2021. The rate on its typical loan was then 2.62%, against 6.62% in 2025, and the cheap money of 2020 may account for much of that peak. Since 2023 it has made between 19 and 20 a year, and 2025 matched 2024 at 20. Similar lenders, meaning credit unions making between half and twice as many loans, saw their originations fall 6%.
All its lending is in South Carolina, across three counties. Florence is its main market: it has lent there since 2005 and ranked 37 of 256 lenders in 2025, with a share that edged up from 0.4% to 0.5%.
Most of its 20 loans financed purchases, and all were conventional loans, with no government backing. Its loans came to $3.9 million in all. At this size one or two large loans move the typical loan size a long way.
It has 246 peers, but with 20 loans its shares of lending to poorer borrowers, in majority-minority neighborhoods or on manufactured homes rest on too few loans to read much into. One or two loans would change any of them sharply.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. SPC Credit Union took 79 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.0% · Refinance 15.0% · Other 5.0%
Conventional 100.0% · of 20 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 | 20 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Florence | 17 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003CWPNX7EZ46462 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 497990 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560686 | 2005–2017 |
Established 1 January 1949. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: SPC Credit Union's data.
SPC Credit Union's data
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SPC 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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