S. C. STATE FEDERAL CREDIT UNION
S. C. STATE FEDERAL CREDIT UNION received 1,597 applications in 2025 and made 1,082 mortgages, in 48 counties across 4 states. The median rate its borrowers got was 4.500% on a median loan of $95,000. Of 1,552 decisions, 361 were denials — 23.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493001W9K6LDV5X2H07 |
|---|---|
| Applications received | 1,597 |
| Mortgages made | 1,082 |
| Denied | 361 |
| Approved, not taken up | 109 |
| Withdrawn or incomplete | 45 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -2.27 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 41 | 6.125% | $155,000 | 27.3% |
| Refinancing | 243 | 4.500% | $105,000 | 19.4% |
| Cash-out refinancing | 118 | 4.500% | $125,000 | 23.1% |
| Other purposes | 680 | 4.500% | $75,000 | 24.3% |
Where S. C. STATE FEDERAL CREDIT UNION lends most
The 48 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lexington County, SC | 204 | 4.500% | 16.0% |
| Richland County, SC | 171 | 4.500% | 26.7% |
| Anderson County, SC | 158 | 4.500% | 21.1% |
| Oconee County, SC | 113 | 4.500% | 11.0% |
| Greenville County, SC | 72 | 4.500% | 21.9% |
| Pickens County, SC | 66 | 4.500% | 24.4% |
| Spartanburg County, SC | 51 | 4.500% | 31.4% |
| Orangeburg County, SC | 29 | 4.500% | 39.3% |
| Greenwood County, SC | 27 | 4.500% | 29.3% |
| Aiken County, SC | 26 | 4.500% | 20.0% |
| Charleston County, SC | 25 | 4.500% | 31.0% |
| Berkeley County, SC | 14 | 4.500% | 10.0% |
| Horry County, SC | 12 | 4.500% | 7.1% |
| Florence County, SC | 11 | 4.500% | 50.0% |
| Dorchester County, SC | 10 | 4.500% | 28.6% |
| Kershaw County, SC | 8 | Under 10 loans | 25.0% |
| Newberry County, SC | 8 | Under 10 loans | 0.0% |
| Abbeville County, SC | 6 | Under 10 loans | 27.3% |
| York County, SC | 6 | Under 10 loans | 22.2% |
| Beaufort County, SC | 5 | Under 10 loans | 36.4% |
| Georgetown County, SC | 5 | Under 10 loans | 16.7% |
| Marlboro County, SC | 5 | Under 10 loans | 44.4% |
| Barnwell County, SC | 4 | Under 10 loans | 33.3% |
| Calhoun County, SC | 4 | Under 10 loans | 16.7% |
| Colleton County, SC | 4 | Under 10 loans | 0.0% |
| Darlington County, SC | 4 | Under 10 loans | 50.0% |
| Laurens County, SC | 4 | Under 10 loans | 37.5% |
| Edgefield County, SC | 3 | Under 10 loans | 40.0% |
| Fairfield County, SC | 3 | Under 10 loans | 25.0% |
| Lancaster County, SC | 3 | Under 10 loans | 33.3% |
| Marion County, SC | 3 | Under 10 loans | 42.9% |
| Cherokee County, SC | 2 | Under 10 loans | 0.0% |
| Hampton County, SC | 2 | Under 10 loans | 0.0% |
| Jasper County, SC | 2 | Under 10 loans | 0.0% |
| Saluda County, SC | 2 | Under 10 loans | 50.0% |
| Sumter County, SC | 2 | Under 10 loans | 0.0% |
| Williamsburg County, SC | 2 | Under 10 loans | 50.0% |
| Chester County, SC | 1 | Under 10 loans | 0.0% |
| Chesterfield County, SC | 1 | Under 10 loans | 0.0% |
| Clarendon County, SC | 1 | Under 10 loans | 0.0% |
| Dillon County, SC | 1 | Under 10 loans | 50.0% |
| McCormick County, SC | 1 | Under 10 loans | 50.0% |
| Union County, SC | 1 | Under 10 loans | 66.7% |
| Turner County, GA | 0 | Under 10 loans | 100.0% |
| Chatham County, NC | 0 | Under 10 loans | 100.0% |
| Rutherford County, NC | 0 | Under 10 loans | Not published |
| Allendale County, SC | 0 | Under 10 loans | 0.0% |
| Ozaukee County, WI | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.