County directory · South Carolina

CDFI lenders in Saluda County, SC

3 have a bank or credit-union branch here. 6 more say they serve all of South Carolina. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026) and FDIC/NCUA branch records.

Name this county: 0
Based here: 0
Branch here: 3
Serve all of SC: 6

None of the lender websites we read names Saluda County; the lenders below are based here, have an office here or serve the whole state. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Monetta, Ridge Spring, Saluda, Ward.

Lenders compared for Saluda County

3 with local records

Lender	Local records	Loan sizes	Head office
1. Security Federal Bank Bank or thrift, Aiken SC	1 office here	ask	23 mi
2. Security Federal Corporation Bank holding company, Aiken SC	1 office here	ask	23 mi
3. Neighbors United Federal Credit Union Credit union, Greenwood SC	1 office here	ask	35 mi

3 of these 3 lenders have received CDFI Fund awards, together $10.7M in fiscal years 2011–2024 (CDFI Fund award database; each lender page lists its awards). An award funds the lender, not a particular borrower.

Order: how many kinds of local record we hold (its website names the county or a town in it, headquarters, a branch, SBA loans or HMDA home loans for borrowers here), then the number of those records, then the head office's distance from the county centre. Loan sizes are the range the lender's website states. It is not a rating and nobody pays for a place. SBA loans: SBA 7(a)/504 data (FY2020–FY2026, 3 or more shown); home loans: HMDA 2025 originations (3 or more shown); branches: FDIC/NCUA; distances are straight lines from the average position of the county's ZIP codes.

Where these lenders have offices

3 lenders

2 head offices and 21 branches or offices of 3 lenders on this page, within 30 miles of the centre of Saluda County. Lenders with no office nearby may still lend here; many work by phone and online.

Banks and credit unions with a branch in this county

3 certified CDFIs have at least one office in Saluda County (FDIC office data as of 30 Oct 2026 and NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.

Small business and SBA lending in Saluda County

Official statistics

Median household income in Saluda County is $51,009, 26% below the South Carolina figure of $69,324 (ACS 2020–2024).

Businesses here took 11.7 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: fewer than the median South Carolina county (26.5), rank 40 of 46.

Measure	Saluda County	South Carolina
Businesses with paid employees (CBP 2023)	257 (0.2% of the state)	122,958
…of which under 20 employees	91%	85%
Businesses without employees (Nonemployer Statistics 2023)	1,131	445,689
Median household income (ACS 2020–2024)	$51,009 (26% below the state)	$69,324
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	3 (3 7(a), 0 504)	4,268
…per 1,000 businesses with employees	11.7 (rank 40 of 46 South Carolina counties)	26.5 (median county)
…with a certified CDFI as lender, CDC or third-party lender	0 (0%)	107 (3%)

For comparison, not an offer. SBA figures count approvals by every SBA lender for borrowers whose ZIP code lies in the county, not only CDFIs; approval is not disbursement. Rate over prime = the SBA's recorded initial rate minus the prime rate on the approval day; SBA caps it at 3 to 6.5 points depending on loan size (current prime rate and caps: methodology).

Sources: Census Bureau County Business Patterns 2023, Nonemployer Statistics 2023 and American Community Survey 2020–2024 (table B19013); SBA 7(a) & 504 FOIA data as of 30 Sep 2026; prime rate: FRED DPRIME; SBA maximums: SBA 7(a) terms. Downloaded 15 Nov 2026. How we compute these.

CDFI lending recorded here (FY2022)

CDFI Fund data, released Dec 2024

14 loans and investments totaling $3.6M (median $116,675) were reported to the CDFI Fund for borrowers and projects in Saluda County in fiscal year 2022, by 4 reporting CDFIs. More than half of these records come from a single reporting CDFI.

Purpose (CDFI Fund category)	Count	Total	Median
Home purchase	10	$3.5M	$276,145
Other purposes	4	$132,926

CDFI banks and credit unions also reported 86 consumer loans in Saluda County totaling $835,674 (Consumer Loan Report, tract totals, so no median); they counted 44% of them as serving low-income borrowers.

Only CDFIs that hold an active CDFI Fund award (CDFI Program, Native American CDFI Assistance or the CDFI Rapid Response Program) report these transactions, so this is not all lending by the certified CDFIs on this page. The Fund masks which CDFI made each loan, so we cannot say which lender listed here made them.

Source: CDFI Fund, CDFI/NACA/CDFI RRP Program Award Recipient Data Release, Transaction Level Report and Consumer Loan Report public files for fiscal year 2022 (released Dec 2024; downloaded 3 Nov 2026). Amounts are original loan or investment amounts as reported. Place = the 2010 census tract of each record. How we count.

Say they serve all of South Carolina

Free help before you apply

These offices give free or low-cost advice: a Small Business Development Center or SCORE mentor can help with the business plan, cash-flow projections and paperwork most business lenders ask for, and a HUD-approved housing counselor can help with a homebuyer course, a budget or a missed mortgage payment. Some counseling agencies also lend; using their advice does not commit you to their loans. Call ahead to check hours and what they cover.

Business advice

Housing counseling

Sources: SBA local assistance listings, read 6 Nov 2026; HUD's list of approved housing counseling agencies (open-data version last updated 9 Apr 2025). For the current list and the services each agency offers, use the CFPB's housing counselor search (it uses HUD's list) or call HUD at 800-569-4287. Offices are placed by ZIP code, so distances are approximate.