Allegacy Federal Credit Union in South Carolina vs the state
17.5%Denial rate-0.77 pts vs state
23.3%Decision denial rate-0.21 pts vs state
57.9%Origination rate+1.28 pts vs state
5.75%Median rate-0.75 pts vs state
-1.35Rate spread (pts)-1.57 pts vs state
$159kMedian applicant income
33Loans originated
10Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 95 | 48 | 14.7% | 3.06% | #240 |
| 2024 | 57 | 33 | 10.5% | 5.75% | #307 |
| 2025 | 57 | 33 | 17.5% | 5.75% | #327 |
What Allegacy Federal Credit Union lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Allegacy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 23 | 13 | 3 | 13.0% |
| Lancaster County | 8 | 5 | 2 | 25.0% |
| Horry County | 7 | 3 | 2 | 28.6% |
| Berkeley County | 5 | 2 | 1 | 20.0% |
| Charleston County | 5 | 3 | 1 | 20.0% |
| Spartanburg County | 3 | 3 | 0 | 0.0% |
| Fairfield County | 1 | 1 | 0 | 0.0% |
| Greenville County | 1 | 0 | 0 | 0.0% |
| Sumter County | 1 | 1 | 0 | 0.0% |
| Kershaw County | 1 | 1 | 0 | 0.0% |
Other large lenders in South Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,403 | 16.8% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 12,272 | 40.7% | 6.50% |
| United Shore Financial Services | B | 9,236 | 12.8% | 6.13% |
| 21st Mortgage | F | 6,510 | 48.2% | 10.41% |
| Dhi Mortgage Company | B | 6,184 | 17.4% | 4.99% |
| Navy Federal Credit Union | D | 5,424 | 21.2% | 7.50% |
| First-Citizens Bank & Trust | B | 5,399 | 20.9% | 6.38% |
| Freedom Mortgage | B | 5,296 | 7.3% | 6.25% |
| Mortgage Research Center | C | 5,189 | 19.1% | 6.25% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
Frequently asked questions
South Carolina: 57 applications in 2025, of which 33 were originated and 10 denied.
17.5% of all applications, or 23.3% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Allegacy Federal Credit Union originated in South Carolina in 2025 was 5.75%, against a statewide median of 6.50%.
About this data. Figures are Allegacy Federal Credit Union's own HMDA filing for properties located in South Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology