First Piedmont Federal Savings and Loan Association of Gaffney in South Carolina vs the state
4.3%Denial rate-14.00 pts vs state
4.6%Decision denial rate-18.85 pts vs state
88.0%Origination rate+31.43 pts vs state
7.50%Median rate+1.00 pts vs state
0.22Rate spread (pts)0.00 pts vs state
$100kMedian applicant income
184Loans originated
9Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 574 | 521 | 3.3% | 5.88% | #79 |
| 2024 | 290 | 269 | 3.8% | 8.00% | #132 |
| 2025 | 209 | 184 | 4.3% | 7.50% | #178 |
What First Piedmont Federal Savings and Loan Association of Gaffney lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most First Piedmont Federal Savings and Loan Association of Gaffney applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spartanburg County | 109 | 96 | 6 | 5.5% |
| Cherokee County | 64 | 60 | 2 | 3.1% |
| Greenville County | 25 | 21 | 1 | 4.0% |
| Union County | 5 | 3 | 0 | 0.0% |
| Oconee County | 2 | 0 | 0 | 0.0% |
| Laurens County | 2 | 2 | 0 | 0.0% |
| Pickens County | 1 | 1 | 0 | 0.0% |
| Anderson County | 1 | 1 | 0 | 0.0% |
Other large lenders in South Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,403 | 16.8% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 12,272 | 40.7% | 6.50% |
| United Shore Financial Services | B | 9,236 | 12.8% | 6.13% |
| 21st Mortgage | F | 6,510 | 48.2% | 10.41% |
| Dhi Mortgage Company | B | 6,184 | 17.4% | 4.99% |
| Navy Federal Credit Union | D | 5,424 | 21.2% | 7.50% |
| First-Citizens Bank & Trust | B | 5,399 | 20.9% | 6.38% |
| Freedom Mortgage | B | 5,296 | 7.3% | 6.25% |
| Mortgage Research Center | C | 5,189 | 19.1% | 6.25% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
Frequently asked questions
South Carolina: 209 applications in 2025, of which 184 were originated and 9 denied.
4.3% of all applications, or 4.6% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans First Piedmont Federal Savings and Loan Association of Gaffney originated in South Carolina in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are First Piedmont Federal Savings and Loan Association of Gaffney's own HMDA filing for properties located in South Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology