Applications / Mortgage Analytics / Lenders / South Carolina / Spratt Savings Bank
Chester, SC · Savings institution · FDIC · $150 million assets · 21 loans in 2025
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21
loans originated, 2025
36
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Spratt Savings Bank is a very small South Carolina savings institution, which made 21 loans in 2025, fewer than most similar lenders.
Similar lenders here are savings institutions making between half and twice as many loans. Spratt made 21 loans, against 32 at the typical peer, fewer than about six in seven of them. That is up from 19 in 2024. On so few loans, one loan more or less moves any share of its lending by several points, so its shares by borrower or neighborhood say little.
It first reported in 2014 and filed no report for 2020, 2021 or 2022. Since 2020 a bank making fewer than 100 closed-end loans a year need not report, so those years are gaps in the record, not years without lending. It made 36 loans in 2018.
About half its loans were for home purchases and most of the rest were refinances. All were conventional, with none backed by a government agency. Its typical loan, $175,000, is smaller than the $245,000 of the typical peer.
It lends in five counties across two states. In Charlotte-Concord-Gastonia it ranks 350 of 775 lenders, and in Columbia 433 of 515; it has lent in both since 2014.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Spratt Savings Bank took 36 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.4% · Refinance 42.9% · Home improvement 4.8%
Conventional 100.0% · of 21 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 | 95.2% |
| North Carolina | 1 | 4.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charlotte-Concord-Gastonia | 19 |
| Columbia | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JUQ0GXK2YJEK02 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 746979 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 330987 | 2014–2017 |
Established 1 January 1893. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Spratt Savings Bank's data.
Spratt Savings Bank's data
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Spratt 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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