Pickens Savings & Loan Association, F.A. Mortgage Lending & HMDA Data, 2025
In 2025, Pickens Savings & Loan Association, F.A. of Pickens, SC reported 44 mortgage applications totaling $15.6 million, down 8% from 2024. The average application was for $353,863, and applicants reported an average income of $151,750. 86% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Greenville-Anderson-Mauldin, SC (40) and Myrtle Beach-Conway-North Myrtle Beach, SC-NC (2).
| Mortgage Company & Address | Pickens Savings & Loan Association, F.A. 205 E Cedar Rock St. Pickens, SC 29671 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 44 |
| Total Mortgage Loan Application Amount | $15,570,000 |
| Average Mortgage Loan Application Amount | $353,863 |
| Highest Mortgage Loan Application Amount | $905,000 |
| Average Applicant Income | $151,750 |
| Highest Applicant Income | $590,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pickens Savings & Loan Association, F.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Greenville-Anderson-Mauldin, SC | 40 | $ 13,850,000 | $ 346,250 | $ 139,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 840,000 | $ 420,000 | $ 377,000 |
| Outside any metro area | 2 | $ 880,000 | $ 440,000 | $ 178,000 |
Mortgage Loan Application Detail Totals for Pickens Savings & Loan Association, F.A. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 39 | $14,795,000 | $379,000 | $905,000 | $162,000 | $590,000 |
| Refinancing | 3 | $525,000 | $175,000 | $275,000 | $67,000 | $94,000 |
| Cash-out Refinancing | 2 | $250,000 | $125,000 | $155,000 | $79,000 | $100,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 43 | $15,265,000 | $355,000 | $905,000 | $152,000 | $590,000 |
| Not applicable | 1 | $305,000 | $305,000 | $305,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 44 | $15,570,000 | $353,000 | $905,000 | $152,000 | $590,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 38 | $12,920,000 | $340,000 | $855,000 | $160,000 | $590,000 |
| Application Denied By Financial Institution | 3 | $1,885,000 | $628,000 | $905,000 | $125,000 | $192,000 |
| Application Withdrawn By Applicant | 2 | $520,000 | $260,000 | $335,000 | $82,000 | $102,000 |
| Application Approved But Not Accepted | 1 | $245,000 | $245,000 | $245,000 | $84,000 | $84,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 41 | $13,685,000 | $333,000 | $855,000 | $154,000 | $590,000 |
| Credit History | 2 | $1,070,000 | $535,000 | $905,000 | $92,000 | $113,000 |
| Debt-To-Income Ratio | 1 | $815,000 | $815,000 | $815,000 | $192,000 | $192,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pickens Savings & Loan Association, F.A.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Pickens Savings & Loan Association, F.A.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in South Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
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