SRP Federal Credit Union in South Carolina vs the state
9.9%Denial rate-8.38 pts vs state
12.5%Decision denial rate-10.99 pts vs state
67.0%Origination rate+10.38 pts vs state
6.13%Median rate-0.38 pts vs state
0.06Rate spread (pts)-0.16 pts vs state
$88kMedian applicant income
479Loans originated
71Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 530 | 378 | 14.7% | 6.38% | #85 |
| 2024 | 586 | 453 | 13.0% | 6.38% | #78 |
| 2025 | 715 | 479 | 9.9% | 6.13% | #77 |
What SRP 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 SRP Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Aiken County | 519 | 353 | 47 | 9.1% |
| Edgefield County | 93 | 64 | 7 | 7.5% |
| Barnwell County | 39 | 26 | 3 | 7.7% |
| Lexington County | 12 | 6 | 2 | 16.7% |
| McCormick County | 7 | 3 | 2 | 28.6% |
| Hampton County | 6 | 4 | 2 | 33.3% |
| Pickens County | 4 | 3 | 1 | 25.0% |
| Allendale County | 4 | 2 | 2 | 50.0% |
| York County | 3 | 1 | 2 | 66.7% |
| Orangeburg County | 3 | 2 | 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: 715 applications in 2025, of which 479 were originated and 71 denied.
9.9% of all applications, or 12.5% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans SRP Federal Credit Union originated in South Carolina in 2025 was 6.13%, against a statewide median of 6.50%.
About this data. Figures are SRP 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