Srp mortgage approval rate & lending review
Srp decided 1,485 mortgage applications and funded 1,287 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Srp reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Srp at a glance
Approval is 15.3 points above the 74.3% 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 | 86% | 448 / 520 | 96% | $225K | 428 |
| Home improvement loans | 94% | 450 / 478 | 97% | $55K | 435 |
| Cash-out refinance | 89% | 292 / 327 | 98% | $125K | 286 |
| Refinance | 83% | 44 / 53 | 95% | $195K | 42 |
| Investment property purchase | 90% | 45 / 50 | 98% | $105K | 44 |
| Investment cash-out refinance | 94% | 45 / 48 | 100% | $115K | 45 |
Srp lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| South Carolina | 92% | $125K | 894 | 794 |
| Georgia | 86% | $105K | 591 | 493 |
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 Srp lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Aiken County, SC | Mortgage lenders | 89% | 304 | 256 |
| Aiken County, SC | Home improvement loans | 95% | 273 | 249 |
| Aiken County, SC | Cash-out refinance | 94% | 190 | 178 |
| Columbia County, GA | Home improvement loans | 96% | 108 | 101 |
| Richmond County, GA | Home improvement loans | 89% | 88 | 77 |
| Columbia County, GA | Mortgage lenders | 82% | 88 | 71 |
| Richmond County, GA | Mortgage lenders | 79% | 84 | 63 |
| Columbia County, GA | Cash-out refinance | 82% | 66 | 54 |
| Richmond County, GA | Cash-out refinance | 82% | 60 | 45 |
| Aiken County, SC | Refinance | 85% | 34 | 29 |
| Richmond County, GA | Investment cash-out refinance | 100% | 21 | 21 |
| Richmond County, GA | Investment property purchase | 85% | 20 | 17 |
The county markets where Srp made the most loans. Each link opens that market with every lender ranked.
Questions about Srp
What is Srp's mortgage approval rate?
Srp approved 89.6% of the 1,485 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.3 points above the 74.3% national rate for the same mix of loan types.
How often do borrowers take the loan Srp offers?
Borrowers accepted 97% of the loans Srp 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 Srp make?
The typical home purchase mortgage loan Srp made was $225K; across all loan types its typical loan ran from $55K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Srp lend?
Srp decided applications in 2 of the states Fat Boy Data covers, most of them in South Carolina and Georgia.
Can I apply to Srp directly?
Yes. Srp is a bank or credit union with 21 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Srp'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 Srp treats applications, then get a rate quote from the lender.