Carolinas Telco Federal Credit Union in South Carolina vs the state
13.2%Denial rate-5.07 pts vs state
15.0%Decision denial rate-8.47 pts vs state
75.0%Origination rate+18.39 pts vs state
7.50%Median rate+1.00 pts vs state
0.22Rate spread (pts)0.00 pts vs state
$99kMedian applicant income
51Loans originated
9Denied
What Carolinas Telco 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 Carolinas Telco Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 17 | 15 | 0 | 0.0% |
| Richland County | 12 | 7 | 4 | 33.3% |
| Lexington County | 7 | 5 | 2 | 28.6% |
| Greenville County | 7 | 6 | 0 | 0.0% |
| Lancaster County | 6 | 4 | 0 | 0.0% |
| Charleston County | 6 | 3 | 1 | 16.7% |
| Kershaw County | 2 | 2 | 0 | 0.0% |
| Berkeley County | 1 | 1 | 0 | 0.0% |
| Darlington County | 1 | 1 | 0 | 0.0% |
| Anderson 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: 68 applications in 2025, of which 51 were originated and 9 denied.
13.2% of all applications, or 15.0% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Carolinas Telco Federal Credit Union originated in South Carolina in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Carolinas Telco 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