Lender in South Carolina · HMDA 2025
South Carolina Federal Credit Union mortgages in South Carolina
South Carolina Federal Credit Union's 2025 home-purchase and refinance lending in South Carolina, compared with all lenders in the state.
South Carolina Federal Credit Union originated 339 owner-occupied single-family loans in South Carolina from 369 completed applications.
Its median conventional purchase loan costs were $7,680 versus $5,190 for all South Carolina lenders, at a median 30-year fixed rate of 6.625% (South Carolina: 6.624%).
Loans in SC
339
of 369 applications
Denial rate
3.9%
Purchase · SC 8.8%
Rate spread
+0.13 pts
Conv. · SC +0.12 pts
Loan amount
$355,000
Purchase · SC $295,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 207 | 198 | 3.9% | 6.625% | +0.13 pts | $7,680 | $355,000 |
| Refinance | 33 | 29 | 12.1% | — | +0.07 pts | $6,540 | $325,000 |
| Cash-out refinance | 129 | 112 | 12.4% | 6.625% | +0.14 pts | $5,680 | $235,000 |
*Conventional loans only; medians with at least 20 loans.
South Carolina counties where South Carolina Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Charleston County | 13 | 110 | 1.7% |
| Orangeburg County | 21 | 9 | 1.3% |
| Berkeley County | 24 | 66 | 1.0% |
| Dorchester County | 25 | 36 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology