S. C. State Federal Credit Union in South Carolina vs the state
22.5%Denial rate+4.21 pts vs state
23.2%Decision denial rate-0.31 pts vs state
67.9%Origination rate+11.27 pts vs state
4.50%Median rate-2.00 pts vs state
-2.27Rate spread (pts)-2.49 pts vs state
$102kMedian applicant income
1,082Loans originated
359Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,654 | 1,014 | 28.7% | 4.50% | #28 |
| 2024 | 1,601 | 1,026 | 25.9% | 4.50% | #33 |
| 2025 | 1,594 | 1,082 | 22.5% | 4.50% | #38 |
What S. C. State 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 S. C. State Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lexington County | 269 | 204 | 43 | 16.0% |
| Richland County | 266 | 171 | 69 | 25.9% |
| Anderson County | 227 | 158 | 46 | 20.3% |
| Oconee County | 145 | 113 | 15 | 10.3% |
| Greenville County | 97 | 72 | 21 | 21.6% |
| Pickens County | 91 | 66 | 22 | 24.2% |
| Spartanburg County | 88 | 51 | 27 | 30.7% |
| Orangeburg County | 60 | 29 | 22 | 36.7% |
| Charleston County | 43 | 25 | 13 | 30.2% |
| Greenwood County | 41 | 27 | 12 | 29.3% |
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: 1,594 applications in 2025, of which 1,082 were originated and 359 denied.
22.5% of all applications, or 23.2% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans S. C. State Federal Credit Union originated in South Carolina in 2025 was 4.50%, against a statewide median of 6.50%.
About this data. Figures are S. C. State 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