Lender in South Carolina · HMDA 2025
Founders Federal Credit Union mortgages in South Carolina
Founders Federal Credit Union's 2025 home-purchase and refinance lending in South Carolina, compared with all lenders in the state.
Founders Federal Credit Union originated 792 owner-occupied single-family loans in South Carolina from 1,023 completed applications.
Its median conventional purchase loan costs were $3,240 versus $5,190 for all South Carolina lenders, at a median 30-year fixed rate of 6.50% (South Carolina: 6.624%).
Loans in SC
792
of 1,023 applications
Denial rate
15.6%
Purchase · SC 8.8%
Rate spread
−0.21 pts
Conv. · SC +0.12 pts
Loan amount
$255,000
Purchase · SC $295,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 617 | 503 | 15.6% | 6.500% | −0.21 pts | $3,240 | $255,000 |
| Refinance | 106 | 72 | 27.4% | — | −0.40 pts | $3,560 | $265,000 |
| Cash-out refinance | 300 | 217 | 23.0% | 6.750% | +0.17 pts | $3,260 | $175,000 |
*Conventional loans only; medians with at least 20 loans.
South Carolina counties where Founders Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Chesterfield County | 1 | 37 | 10.8% |
| Chester County | 3 | 31 | 5.8% |
| Fairfield County | 3 | 7 | 4.0% |
| York County | 4 | 212 | 3.6% |
| Union County | 4 | 17 | 6.5% |
| Cherokee County | 5 | 20 | 3.6% |
| Lancaster County | 6 | 105 | 4.3% |
| Marlboro County | 6 | 4 | 3.7% |
| Laurens County | 7 | 31 | 2.8% |
| Spartanburg County | 11 | 164 | 2.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology