# Arthur State Bank

> **Canonical URL:** https://saferate.com/lenders/arthur-state-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Arthur State Bank is a bank, headquartered in Union, SC, with 130 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 79% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300DK682S26NIMG70
- **Headquarters:** Union, SC
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** SC
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.326%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,229
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 130
- **Dollar Volume:** $44 million
- **Applications Received:** 179
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $339,615
- **Average Borrower Income:** $186,738
- **Average Property Value:** $489,154

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 118 | +0.316% | $2,157 | Sound ☺️ |
| Jumbo | 62/100 | 12 | +1.158% | $8,230 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 88 loans, Score: 40/100 (Sound)
- Refinance: 30 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 39/100 | 98 | $37M | +0.375% | Acceptable 🙂 |
| Refinance | 49/100 | 32 | $8M | +0.246% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| SC | 130 | 0.16% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Spartanburg, SC | SC | 45 | 74/100 |
| Greenville | SC | 31 | 64/100 |
| Charlotte | NC-SC | 28 | 58/100 |
| Columbia, SC | SC | 13 | 49/100 |

## Where This Lender Ranks

Arthur State Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in Spartanburg, SC Banks
  - [View Full Rankings](https://saferate.com/spartanburg-sc/best-mortgage-lenders/banks)
- 🏆 **#18** in Spartanburg, SC for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/spartanburg-sc/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Arthur State Bank offer?

Arthur State Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Arthur State Bank offer mortgages?

Arthur State Bank offers mortgages in 1 states: SC.

### How competitive are Arthur State Bank's mortgage rates?

Arthur State Bank has a pricing score of 21/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.326% above market average.

### What type of lender is Arthur State Bank?

Arthur State Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Union, SC.

### What is Arthur State Bank's loan approval success rate?

Arthur State Bank has a pull-through score of 53/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/arthur-state-bank

### How to Cite

> "Arthur State Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/arthur-state-bank

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