Utilities Employees Credit Union in South Carolina vs the state
11.9%Denial rate-6.37 pts vs state
16.0%Decision denial rate-7.47 pts vs state
59.7%Origination rate+3.09 pts vs state
6.74%Median rate+0.24 pts vs state
0.42Rate spread (pts)+0.20 pts vs state
$125kMedian applicant income
40Loans originated
8Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 91 | 56 | 7.7% | 6.74% | #245 |
| 2024 | 73 | 47 | 13.7% | 6.74% | #277 |
| 2025 | 67 | 40 | 11.9% | 6.74% | #304 |
What Utilities Employees 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 Utilities Employees Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jasper County | 1 | 1 | 0 | 0.0% |
| Charleston County | 1 | 1 | 0 | 0.0% |
| Lexington County | 1 | 1 | 0 | 0.0% |
| Aiken County | 1 | 0 | 0 | 0.0% |
| York County | 1 | 1 | 0 | 0.0% |
| Dorchester County | 1 | 0 | 0 | 0.0% |
| Horry County | 1 | 0 | 1 | 100.0% |
| Beaufort County | 1 | 1 | 0 | 0.0% |
| Sumter County | 1 | 0 | 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: 67 applications in 2025, of which 40 were originated and 8 denied.
11.9% of all applications, or 16.0% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Utilities Employees Credit Union originated in South Carolina in 2025 was 6.74%, against a statewide median of 6.50%.
About this data. Figures are Utilities Employees 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