The Federal Savings Bank in South Carolina vs the state
7.8%Denial rate-10.47 pts vs state
17.6%Decision denial rate-5.88 pts vs state
35.5%Origination rate-21.15 pts vs state
6.25%Median rate-0.25 pts vs state
0.18Rate spread (pts)-0.04 pts vs state
$82kMedian applicant income
172Loans originated
38Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 443 | 158 | 9.9% | 6.50% | #94 |
| 2024 | 394 | 153 | 9.9% | 6.38% | #102 |
| 2025 | 485 | 172 | 7.8% | 6.25% | #101 |
What The Federal Savings Bank lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Richland County | 68 | 25 | 5 | 7.4% |
| Horry County | 53 | 20 | 4 | 7.5% |
| Berkeley County | 39 | 8 | 5 | 12.8% |
| York County | 32 | 14 | 2 | 6.3% |
| Lexington County | 30 | 14 | 3 | 10.0% |
| Greenville County | 30 | 12 | 2 | 6.7% |
| Dorchester County | 27 | 7 | 3 | 11.1% |
| Charleston County | 22 | 8 | 2 | 9.1% |
| Spartanburg County | 22 | 5 | 3 | 13.6% |
| Beaufort County | 16 | 8 | 1 | 6.3% |
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: 485 applications in 2025, of which 172 were originated and 38 denied.
7.8% of all applications, or 17.6% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans The Federal Savings Bank originated in South Carolina in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are The Federal Savings Bank'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