Lender in South Carolina · HMDA 2025
State Employees' mortgages in South Carolina
State Employees''s 2025 home-purchase and refinance lending in South Carolina, compared with all lenders in the state.
State Employees' originated 226 owner-occupied single-family loans in South Carolina from 303 completed applications.
Its median conventional purchase loan costs were $4,980 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
226
of 303 applications
Denial rate
17.0%
Purchase · SC 8.8%
Rate spread
−0.42 pts
Conv. · SC +0.12 pts
Loan amount
$315,000
Purchase · SC $295,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 230 | 187 | 17.0% | 6.500% | −0.42 pts | $4,980 | $315,000 |
| Refinance | 22 | 11 | 50.0% | — | — | — | — |
| Cash-out refinance | 51 | 28 | 43.1% | — | −0.97 pts | $4,170 | $235,000 |
*Conventional loans only; medians with at least 20 loans.
South Carolina counties where State Employees' ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Chesterfield County | 10 | 9 | 2.6% |
| Cherokee County | 21 | 6 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology