South Carolina Federal Credit Union in South Carolina vs the state
10.7%Denial rate-7.65 pts vs state
15.6%Decision denial rate-7.86 pts vs state
56.6%Origination rate-0.01 pts vs state
7.63%Median rate+1.13 pts vs state
1.24Rate spread (pts)+1.02 pts vs state
$113kMedian applicant income
913Loans originated
172Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,573 | 1,005 | 6.5% | 7.00% | #30 |
| 2024 | 1,722 | 1,065 | 9.2% | 7.88% | #32 |
| 2025 | 1,613 | 913 | 10.7% | 7.63% | #37 |
What South Carolina 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 South Carolina Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Charleston County | 524 | 314 | 44 | 8.4% |
| Berkeley County | 325 | 184 | 32 | 9.8% |
| Dorchester County | 193 | 113 | 19 | 9.8% |
| Richland County | 91 | 49 | 8 | 8.8% |
| Greenville County | 87 | 49 | 6 | 6.9% |
| Horry County | 57 | 28 | 8 | 14.0% |
| Lexington County | 55 | 31 | 9 | 16.4% |
| Spartanburg County | 48 | 26 | 5 | 10.4% |
| Florence County | 34 | 19 | 6 | 17.6% |
| Georgetown County | 28 | 19 | 3 | 10.7% |
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: 1,613 applications in 2025, of which 913 were originated and 172 denied.
10.7% of all applications, or 15.6% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans South Carolina Federal Credit Union originated in South Carolina in 2025 was 7.63%, against a statewide median of 6.50%.
About this data. Figures are South Carolina 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