Safe Federal Credit Union in South Carolina vs the state
20.3%Denial rate+1.94 pts vs state
21.3%Decision denial rate-2.18 pts vs state
64.4%Origination rate+7.77 pts vs state
6.50%Median rate0.00 pts vs state
0.42Rate spread (pts)+0.20 pts vs state
$87kMedian applicant income
620Loans originated
195Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,432 | 701 | 29.0% | 6.63% | #34 |
| 2024 | 1,242 | 679 | 23.4% | 6.63% | #45 |
| 2025 | 963 | 620 | 20.3% | 6.50% | #61 |
What Safe 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 Safe Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sumter County | 263 | 167 | 52 | 19.8% |
| Lexington County | 196 | 142 | 30 | 15.3% |
| Richland County | 141 | 87 | 30 | 21.3% |
| Kershaw County | 83 | 53 | 19 | 22.9% |
| Florence County | 60 | 37 | 13 | 21.7% |
| Clarendon County | 53 | 31 | 13 | 24.5% |
| Lee County | 24 | 16 | 6 | 25.0% |
| Darlington County | 19 | 13 | 4 | 21.1% |
| Chesterfield County | 12 | 9 | 1 | 8.3% |
| Horry County | 11 | 8 | 2 | 18.2% |
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: 963 applications in 2025, of which 620 were originated and 195 denied.
20.3% of all applications, or 21.3% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Safe Federal Credit Union originated in South Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Safe 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