Lender in South Carolina · HMDA 2025
SRP Federal Credit Union mortgages in South Carolina
SRP Federal Credit Union's 2025 home-purchase and refinance lending in South Carolina, compared with all lenders in the state.
SRP Federal Credit Union originated 203 owner-occupied single-family loans in South Carolina from 241 completed applications.
Its median conventional purchase loan costs were $5,800 versus $5,190 for all South Carolina lenders, at a median 30-year fixed rate of 6.375% (South Carolina: 6.624%).
Loans in SC
203
of 241 applications
Denial rate
17.5%
Purchase · SC 8.8%
Rate spread
−0.20 pts
Conv. · SC +0.12 pts
Loan amount
$235,000
Purchase · SC $295,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 154 | 120 | 17.5% | 6.375% | −0.20 pts | $5,800 | $235,000 |
| Refinance | 20 | 19 | 5.0% | — | — | — | — |
| Cash-out refinance | 67 | 64 | 4.5% | — | +0.16 pts | $4,400 | $155,000 |
*Conventional loans only; medians with at least 20 loans.
South Carolina counties where SRP Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Edgefield County | 3 | 25 | 5.7% |
| Barnwell County | 3 | 8 | 7.5% |
| Aiken County | 5 | 154 | 5.1% |
| Hampton County | 9 | 3 | 2.8% |
| Allendale County | 10 | 1 | 4.0% |
| Bamberg County | 25 | 1 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology