Spratt Savings Bank
Spratt Savings Bank received 36 applications in 2025 and made 21 mortgages, in 5 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $175,000. Of 30 decisions, 9 were denials — 30.0%.
| Legal Entity Identifier | 549300JUQ0GXK2YJEK02 |
|---|---|
| Applications received | 36 |
| Mortgages made | 21 |
| Denied | 9 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 6 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Spratt Savings Bank, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 11 | Not published | $165,000 | 8.3% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 40.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 66.7% |
Where Spratt Savings Bank lends most
The 5 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Chester County, SC | 14 | Not published | 26.3% |
| York County, SC | 3 | Under 10 loans | 40.0% |
| Fairfield County, SC | 2 | Under 10 loans | 50.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Lancaster County, SC | 1 | Under 10 loans | 0.0% |
Get told when this changes
When Spratt Savings Bank’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.