SOUTH CAROLINA FEDERAL CREDIT UNION
SOUTH CAROLINA FEDERAL CREDIT UNION received 1,660 applications in 2025 and made 944 mortgages, in 68 counties across 7 states. The median rate its borrowers got was 7.625% on a median loan of $120,000. Of 1,141 decisions, 179 were denials — 15.7%, most often for credit history.
| Legal Entity Identifier | 549300WC12JROIUVWY16 |
|---|---|
| Applications received | 1,660 |
| Mortgages made | 944 |
| Denied | 179 |
| Approved, not taken up | 18 |
| Withdrawn or incomplete | 519 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.23 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 | 247 | 6.125% | $355,000 | 4.6% |
| Refinancing | 37 | 5.875% | $315,000 | 11.9% |
| Cash-out refinancing | 417 | 8.125% | $95,000 | 24.2% |
| Other purposes | 243 | 8.500% | $85,000 | 9.6% |
Where SOUTH CAROLINA FEDERAL CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Charleston County, SC | 314 | 8.000% | 12.1% |
| Berkeley County, SC | 184 | 7.688% | 14.5% |
| Dorchester County, SC | 113 | 8.125% | 14.3% |
| Greenville County, SC | 49 | 7.500% | 10.7% |
| Richland County, SC | 49 | 7.375% | 13.6% |
| Lexington County, SC | 31 | 8.125% | 22.5% |
| Horry County, SC | 28 | 6.250% | 22.2% |
| Spartanburg County, SC | 26 | 8.125% | 16.1% |
| Florence County, SC | 19 | 6.875% | 23.1% |
| Georgetown County, SC | 19 | 7.125% | 13.6% |
| Orangeburg County, SC | 14 | 7.063% | 0.0% |
| Anderson County, SC | 13 | 6.125% | 23.5% |
| Pickens County, SC | 12 | 6.813% | 7.7% |
| Colleton County, SC | 7 | Under 10 loans | 12.5% |
| Mecklenburg County, NC | 6 | Under 10 loans | 25.0% |
| Oconee County, SC | 5 | Under 10 loans | 28.6% |
| York County, SC | 5 | Under 10 loans | 14.3% |
| Beaufort County, SC | 4 | Under 10 loans | 42.9% |
| Darlington County, SC | 4 | Under 10 loans | 20.0% |
| Lancaster County, SC | 3 | Under 10 loans | 50.0% |
| Fulton County, GA | 2 | Under 10 loans | 0.0% |
| Ashe County, NC | 2 | Under 10 loans | 0.0% |
| Union County, NC | 2 | Under 10 loans | 0.0% |
| Aiken County, SC | 2 | Under 10 loans | 0.0% |
| Kershaw County, SC | 2 | Under 10 loans | 33.3% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Flagler County, FL | 1 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 1 | Under 10 loans | 50.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Chatham County, GA | 1 | Under 10 loans | 50.0% |
| Cherokee County, GA | 1 | Under 10 loans | 0.0% |
| Effingham County, GA | 1 | Under 10 loans | 0.0% |
| Forsyth County, GA | 1 | Under 10 loans | 0.0% |
| Jefferson County, MO | 1 | Under 10 loans | 0.0% |
| Cabarrus County, NC | 1 | Under 10 loans | 0.0% |
| Durham County, NC | 1 | Under 10 loans | 0.0% |
| Henderson County, NC | 1 | Under 10 loans | 0.0% |
| Iredell County, NC | 1 | Under 10 loans | 0.0% |
| Johnston County, NC | 1 | Under 10 loans | 0.0% |
| Orange County, NC | 1 | Under 10 loans | 0.0% |
| Polk County, NC | 1 | Under 10 loans | 0.0% |
| Stanly County, NC | 1 | Under 10 loans | 0.0% |
| Cherokee County, SC | 1 | Under 10 loans | 0.0% |
| Clarendon County, SC | 1 | Under 10 loans | 66.7% |
| Dillon County, SC | 1 | Under 10 loans | 0.0% |
| Greenwood County, SC | 1 | Under 10 loans | 66.7% |
| Jasper County, SC | 1 | Under 10 loans | 66.7% |
| Laurens County, SC | 1 | Under 10 loans | 50.0% |
| Marion County, SC | 1 | Under 10 loans | 0.0% |
| Newberry County, SC | 1 | Under 10 loans | 50.0% |
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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.