Elements Financial Federal Credit Union in South Carolina vs the state
25.0%Denial rate+6.69 pts vs state
30.0%Decision denial rate+6.53 pts vs state
58.3%Origination rate+1.72 pts vs state
4.99%Median rate-1.51 pts vs state
-2.21Rate spread (pts)-2.43 pts vs state
$160kMedian applicant income
7Loans originated
3Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12 | 8 | 16.7% | 6.44% | #499 |
| 2024 | 11 | 7 | 9.1% | 6.38% | #509 |
| 2025 | 12 | 7 | 25.0% | 4.99% | #515 |
What Elements Financial 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 Elements Financial Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greenville County | 4 | 4 | 0 | 0.0% |
| Spartanburg County | 2 | 1 | 1 | 50.0% |
| Anderson County | 1 | 1 | 0 | 0.0% |
| Horry County | 1 | 0 | 1 | 100.0% |
| Darlington County | 1 | 0 | 1 | 100.0% |
| Pickens County | 1 | 0 | 0 | 0.0% |
| Lexington County | 1 | 0 | 0 | 0.0% |
| Charleston 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: 12 applications in 2025, of which 7 were originated and 3 denied.
25.0% of all applications, or 30.0% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Elements Financial Federal Credit Union originated in South Carolina in 2025 was 4.99%, against a statewide median of 6.50%.
About this data. Figures are Elements Financial 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