First Piedmont Federal Savings and Loan Association of Gaffney
First Piedmont Federal Savings and Loan Association of Gaffney received 209 applications in 2025 and made 184 mortgages, in 8 counties across 1 state. The median rate its borrowers got was 7.500% on a median loan of $160,000. Of 195 decisions, 9 were denials — 4.6%, most often for credit history.
| Legal Entity Identifier | 549300JH8TVR84H1BL45 |
|---|---|
| Applications received | 209 |
| Mortgages made | 184 |
| Denied | 9 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 14 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.22 points |
| FDIC-insured bank | Yes: First Piedmont Federal Savings and Loan Association of Gaffney, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 67 | 6.750% | $255,000 | 2.8% |
| Refinancing | 14 | 7.500% | $135,000 | 12.5% |
| Cash-out refinancing | 23 | 7.250% | $175,000 | 11.5% |
| Other purposes | 80 | 7.500% | $95,000 | 2.4% |
Where First Piedmont Federal Savings and Loan Association of Gaffney lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Spartanburg County, SC | 96 | 7.500% | 5.8% |
| Cherokee County, SC | 60 | 7.500% | 3.2% |
| Greenville County, SC | 21 | 7.500% | 4.4% |
| Union County, SC | 3 | Under 10 loans | 0.0% |
| Laurens County, SC | 2 | Under 10 loans | 0.0% |
| Anderson County, SC | 1 | Under 10 loans | 0.0% |
| Pickens County, SC | 1 | Under 10 loans | 0.0% |
| Oconee County, SC | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.