Navy Federal Credit Union in South Carolina vs the state
21.2%Denial rate+2.84 pts vs state
31.2%Decision denial rate+7.70 pts vs state
45.9%Origination rate-10.76 pts vs state
7.50%Median rate+1.00 pts vs state
0.50Rate spread (pts)+0.28 pts vs state
$107kMedian applicant income
2,487Loans originated
1,147Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,257 | 2,292 | 28.4% | 7.50% | #8 |
| 2024 | 5,530 | 2,522 | 22.8% | 7.88% | #6 |
| 2025 | 5,424 | 2,487 | 21.2% | 7.50% | #6 |
What Navy 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 Navy Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 653 | 311 | 130 | 19.9% |
| Richland County | 613 | 256 | 144 | 23.5% |
| Charleston County | 565 | 263 | 113 | 20.0% |
| Dorchester County | 493 | 237 | 96 | 19.5% |
| Beaufort County | 426 | 214 | 79 | 18.5% |
| Horry County | 362 | 169 | 67 | 18.5% |
| Greenville County | 345 | 159 | 75 | 21.7% |
| Lexington County | 268 | 120 | 65 | 24.3% |
| York County | 244 | 123 | 43 | 17.6% |
| Spartanburg County | 227 | 103 | 41 | 18.1% |
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% |
| 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% |
| Pennymac Loan Services | C | 4,524 | 11.3% | 6.25% |
Frequently asked questions
South Carolina: 5,424 applications in 2025, of which 2,487 were originated and 1,147 denied.
21.2% of all applications, or 31.2% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Navy Federal Credit Union originated in South Carolina in 2025 was 7.50%, against a statewide median of 6.50%.
About this data. Figures are Navy 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