Usalliance Federal Credit Union in South Carolina vs the state
24.0%Denial rate+5.69 pts vs state
26.1%Decision denial rate+2.62 pts vs state
64.0%Origination rate+7.39 pts vs state
8.31%Median rate+1.81 pts vs state
1.43Rate spread (pts)+1.21 pts vs state
$209kMedian applicant income
16Loans originated
6Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 9 | 0.0% | 8.88% | #471 |
| 2024 | 8 | 6 | 12.5% | 8.94% | #562 |
| 2025 | 25 | 16 | 24.0% | 8.31% | #418 |
What Usalliance 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 Usalliance Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Charleston County | 7 | 3 | 3 | 42.9% |
| Spartanburg County | 4 | 3 | 1 | 25.0% |
| York County | 4 | 2 | 0 | 0.0% |
| Dorchester County | 2 | 2 | 0 | 0.0% |
| Lancaster County | 2 | 1 | 1 | 50.0% |
| Jasper County | 1 | 1 | 0 | 0.0% |
| Greenville County | 1 | 1 | 0 | 0.0% |
| Colleton County | 1 | 1 | 0 | 0.0% |
| Lexington County | 1 | 0 | 1 | 100.0% |
| Berkeley County | 1 | 1 | 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: 25 applications in 2025, of which 16 were originated and 6 denied.
24.0% of all applications, or 26.1% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Usalliance Federal Credit Union originated in South Carolina in 2025 was 8.31%, against a statewide median of 6.50%.
About this data. Figures are Usalliance 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