Applications / Mortgage Analytics / Lenders / South Carolina / Woodruff Federal Savings and Loan Association
Woodruff, SC · Savings institution · OCC · $98.0 million assets · 36 loans in 2025
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36
loans originated, 2025
39
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Woodruff Federal Savings and Loan Association, a small South Carolina thrift, grew its home lending by a third in 2025 while similar lenders shrank.
It made 36 loans in 2025, up 33% from 27. Similar lenders, savings institutions making between half and twice as many loans, fell 7% at the typical one. Its growth was faster than at about four in five of them, and well ahead of the whole market's 10%.
Every loan it made was conventional, with no government backing and no jumbo loans (those larger than the conforming limit). Two-thirds financed home purchases. Its typical loan was $215,000, a little below the $245,000 typical of its peers.
Spartanburg is its main market. It ranks 68 of 409 lenders there, with 0.3% of lending, up from 0.2%. DHI Mortgage Company leads that market, with Rocket Mortgage and United Wholesale Mortgage close behind. It has lent there since 1990, when the public data begin.
It 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, not years without lending. Its 60 loans in 2018 remain the most in the years shown.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Woodruff Federal Savings and Loan Association took 39 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.7% · Refinance 19.4% · Other 13.9%
Conventional 100.0% · of 36 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 | 36 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Spartanburg | 31 |
| Greenville-Anderson-Greer | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DD7DEFHKQ3AD80 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 661474 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43150 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1703150 | 2011–2017 |
Established 14 December 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Woodruff Federal Savings and Loan Association's data.
Woodruff Federal Savings and Loan Association's data
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Woodruff Federal Savings and Loan Association 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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