SPC Credit Union
SPC Credit Union received 37 applications in 2025 and made 20 mortgages, in 5 counties across 1 state. The median rate its borrowers got was 6.625% on a median loan of $160,000. Of 30 decisions, 7 were denials — 23.3%, most often for credit history.
| Legal Entity Identifier | 5493003CWPNX7EZ46462 |
|---|---|
| Applications received | 37 |
| Mortgages made | 20 |
| Denied | 7 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.0025 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 | 16 | 6.688% | $160,000 | 21.7% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where SPC Credit Union lends most
The 5 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Darlington County, SC | 13 | 6.500% | 22.2% |
| Florence County, SC | 4 | Under 10 loans | 0.0% |
| Marlboro County, SC | 3 | Under 10 loans | 20.0% |
| Chesterfield County, SC | 0 | Under 10 loans | 100.0% |
| Horry County, SC | 0 | Under 10 loans | 100.0% |
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When SPC Credit Union’s figures are published for the next year, or restated.
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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.