Empeople Credit Union in South Carolina vs the state
25.5%Denial rate+7.18 pts vs state
28.3%Decision denial rate+4.79 pts vs state
64.7%Origination rate+8.10 pts vs state
6.49%Median rate-0.01 pts vs state
-0.33Rate spread (pts)-0.55 pts vs state
$123kMedian applicant income
33Loans originated
13Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 48 | 29 | 20.8% | 6.74% | #325 |
| 2024 | 45 | 30 | 15.6% | 6.62% | #338 |
| 2025 | 51 | 33 | 25.5% | 6.49% | #333 |
What Empeople 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 Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spartanburg County | 15 | 10 | 3 | 20.0% |
| Greenville County | 13 | 11 | 2 | 15.4% |
| Aiken County | 7 | 3 | 3 | 42.9% |
| York County | 7 | 3 | 2 | 28.6% |
| Charleston County | 2 | 0 | 2 | 100.0% |
| Anderson County | 1 | 1 | 0 | 0.0% |
| Oconee County | 1 | 1 | 0 | 0.0% |
| Pickens County | 1 | 1 | 0 | 0.0% |
| Dorchester County | 1 | 0 | 1 | 100.0% |
| Beaufort 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: 51 applications in 2025, of which 33 were originated and 13 denied.
25.5% of all applications, or 28.3% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Empeople Credit Union originated in South Carolina in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are Empeople 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