Credit Human Federal Credit Union in South Carolina vs the state
84.6%Denial rate+66.29 pts vs state
84.6%Decision denial rate+61.13 pts vs state
6.4%Origination rate-50.25 pts vs state
8.10%Median rate+1.60 pts vs state
2.26Rate spread (pts)+2.04 pts vs state
$64kMedian applicant income
26Loans originated
346Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 585 | 39 | 86.2% | 7.90% | #78 |
| 2024 | 519 | 40 | 85.4% | 8.40% | #87 |
| 2025 | 409 | 26 | 84.6% | 8.10% | #117 |
What Credit Human 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 Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Colleton County | 71 | 2 | 67 | 94.4% |
| Horry County | 59 | 14 | 29 | 49.2% |
| Beaufort County | 41 | 0 | 38 | 92.7% |
| Lexington County | 38 | 1 | 35 | 92.1% |
| Jasper County | 26 | 1 | 25 | 96.2% |
| Dorchester County | 18 | 1 | 14 | 77.8% |
| Hampton County | 17 | 0 | 17 | 100.0% |
| Greenville County | 16 | 0 | 15 | 93.8% |
| Orangeburg County | 11 | 0 | 11 | 100.0% |
| Florence County | 11 | 1 | 8 | 72.7% |
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: 409 applications in 2025, of which 26 were originated and 346 denied.
84.6% of all applications, or 84.6% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Credit Human Federal Credit Union originated in South Carolina in 2025 was 8.10%, against a statewide median of 6.50%.
About this data. Figures are Credit Human 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