First Piedmont Federal Savings and Loan Association of Gaffney mortgage approval rate & lending review
First Piedmont Federal Savings and Loan Association of Gaffney decided 421 mortgage applications and funded 397 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Piedmont Federal Savings and Loan Association of Gaffney reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Piedmont Federal Savings and Loan Association of Gaffney at a glance
Approval is 11.8 points above the 83.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 234 / 245 | 98% | $265K | 230 |
| Cash-out refinance | 93% | 38 / 41 | 100% | $125K | 38 |
| Refinance | 93% | 28 / 30 | 100% | $125K | 28 |
| Investment property purchase | 100% | 70 / 70 | 100% | $175K | 70 |
| Investment cash-out refinance | 97% | 29 / 30 | 100% | $155K | 29 |
First Piedmont Federal Savings and Loan Association of Gaffney lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| South Carolina | 95% | $265K | 421 | 397 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Piedmont Federal Savings and Loan Association of Gaffney lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Spartanburg County, SC | Mortgage lenders | 96% | 205 | 193 |
| Spartanburg County, SC | Investment property purchase | 100% | 45 | 45 |
| Spartanburg County, SC | Cash-out refinance | 92% | 37 | 34 |
| Spartanburg County, SC | Refinance | 96% | 27 | 26 |
| Greenville County, SC | Investment property purchase | 100% | 20 | 20 |
The county markets where First Piedmont Federal Savings and Loan Association of Gaffney made the most loans. Each link opens that market with every lender ranked.
Questions about First Piedmont Federal Savings and Loan Association of Gaffney
What is First Piedmont Federal Savings and Loan Association of Gaffney's mortgage approval rate?
First Piedmont Federal Savings and Loan Association of Gaffney approved 95.5% of the 421 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.8 points above the 83.7% national rate for the same mix of loan types.
How often do borrowers take the loan First Piedmont Federal Savings and Loan Association of Gaffney offers?
Borrowers accepted 99% of the loans First Piedmont Federal Savings and Loan Association of Gaffney approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Piedmont Federal Savings and Loan Association of Gaffney make?
The typical home purchase mortgage loan First Piedmont Federal Savings and Loan Association of Gaffney made was $265K; across all loan types its typical loan ran from $125K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Piedmont Federal Savings and Loan Association of Gaffney lend?
First Piedmont Federal Savings and Loan Association of Gaffney decided applications in 1 of the states Fat Boy Data covers, most of them in South Carolina.
Can I apply to First Piedmont Federal Savings and Loan Association of Gaffney directly?
Yes. First Piedmont Federal Savings and Loan Association of Gaffney is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Piedmont Federal Savings and Loan Association of Gaffney's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Piedmont Federal Savings and Loan Association of Gaffney treats applications, then get a rate quote from the lender.