Applications / Mortgage Analytics / Lenders / South Carolina / Spratt Savings Bank / Competition
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
Who Spratt Savings Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — CHARLOTTE-CONCORD-GASTONIA, NC-SC, 2025
Spratt Savings Bank ranks 350th of 775 lenders in Charlotte-Concord-Gastonia, NC-SC, with $4.6M lent: 0.0% of a $28.47B market.
Charlotte-Concord-Gastonia, NC-SC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Spratt Savings Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — COLUMBIA, SC, 2025
Spratt Savings Bank ranks 433rd of 515 lenders in Columbia, SC, with $230K lent: 0.0% of a $5.77B market.
Columbia, SC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Spratt Savings Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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