United Federal Credit Union in South Carolina vs the state
15.8%Denial rate-2.52 pts vs state
18.8%Decision denial rate-4.72 pts vs state
65.8%Origination rate+9.18 pts vs state
6.62%Median rate+0.12 pts vs state
0.25Rate spread (pts)+0.03 pts vs state
$133kMedian applicant income
25Loans originated
6Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 18 | 20.0% | 8.38% | #393 |
| 2024 | 23 | 18 | 13.0% | 7.00% | #421 |
| 2025 | 38 | 25 | 15.8% | 6.62% | #375 |
What United 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 United Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spartanburg County | 17 | 13 | 1 | 5.9% |
| Horry County | 4 | 1 | 2 | 50.0% |
| Greenville County | 3 | 2 | 0 | 0.0% |
| Anderson County | 3 | 2 | 0 | 0.0% |
| Beaufort County | 2 | 1 | 1 | 50.0% |
| York County | 2 | 1 | 1 | 50.0% |
| Richland County | 2 | 1 | 0 | 0.0% |
| Pickens County | 2 | 2 | 0 | 0.0% |
| Greenwood County | 1 | 1 | 0 | 0.0% |
| Fairfield County | 1 | 0 | 1 | 100.0% |
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: 38 applications in 2025, of which 25 were originated and 6 denied.
15.8% of all applications, or 18.8% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans United Federal Credit Union originated in South Carolina in 2025 was 6.62%, against a statewide median of 6.50%.
About this data. Figures are United 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