SRP Federal Credit Union
SRP Federal Credit Union received 1,216 applications in 2025 and made 782 mortgages, in 50 counties across 2 states. The median rate its borrowers got was 6.250% on a median loan of $115,000. Of 975 decisions, 162 were denials — 16.6%, most often for credit history.
| Legal Entity Identifier | 549300K80E72C24ZOJ37 |
|---|---|
| Applications received | 1,216 |
| Mortgages made | 782 |
| Denied | 162 |
| Approved, not taken up | 31 |
| Withdrawn or incomplete | 241 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.054 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 | 202 | 6.063% | $245,000 | 22.4% |
| Refinancing | 34 | 5.750% | $235,000 | 10.3% |
| Cash-out refinancing | 157 | 6.250% | $125,000 | 9.7% |
| Other purposes | 389 | 9.500% | $75,000 | 16.4% |
Where SRP 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 |
|---|---|---|---|
| Aiken County, SC | 353 | 6.125% | 11.4% |
| Columbia County, GA | 128 | 6.375% | 20.6% |
| Richmond County, GA | 101 | 6.250% | 24.3% |
| Edgefield County, SC | 64 | 6.125% | 9.6% |
| Barnwell County, SC | 26 | 7.813% | 10.0% |
| Burke County, GA | 17 | 5.875% | 10.5% |
| McDuffie County, GA | 15 | 6.500% | 34.8% |
| Lincoln County, GA | 12 | 5.625% | 20.0% |
| Jefferson County, GA | 7 | Under 10 loans | 12.5% |
| Warren County, GA | 7 | Under 10 loans | 30.0% |
| Lexington County, SC | 6 | Under 10 loans | 25.0% |
| Hampton County, SC | 4 | Under 10 loans | 33.3% |
| Chatham County, GA | 3 | Under 10 loans | 0.0% |
| Fulton County, GA | 3 | Under 10 loans | 25.0% |
| McCormick County, SC | 3 | Under 10 loans | 33.3% |
| Pickens County, SC | 3 | Under 10 loans | 25.0% |
| Glascock County, GA | 2 | Under 10 loans | 0.0% |
| Allendale County, SC | 2 | Under 10 loans | 50.0% |
| Berkeley County, SC | 2 | Under 10 loans | 0.0% |
| Newberry County, SC | 2 | Under 10 loans | 0.0% |
| Orangeburg County, SC | 2 | Under 10 loans | 0.0% |
| Saluda County, SC | 2 | Under 10 loans | 0.0% |
| Barrow County, GA | 1 | Under 10 loans | 0.0% |
| Cobb County, GA | 1 | Under 10 loans | 0.0% |
| DeKalb County, GA | 1 | Under 10 loans | 50.0% |
| Gwinnett County, GA | 1 | Under 10 loans | 0.0% |
| Habersham County, GA | 1 | Under 10 loans | 0.0% |
| Laurens County, GA | 1 | Under 10 loans | 0.0% |
| Newton County, GA | 1 | Under 10 loans | 50.0% |
| Stephens County, GA | 1 | Under 10 loans | 0.0% |
| Bamberg County, SC | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 0.0% |
| Charleston County, SC | 1 | Under 10 loans | 0.0% |
| Dorchester County, SC | 1 | Under 10 loans | 50.0% |
| Greenwood County, SC | 1 | Under 10 loans | 0.0% |
| Horry County, SC | 1 | Under 10 loans | 0.0% |
| Laurens County, SC | 1 | Under 10 loans | 0.0% |
| Richland County, SC | 1 | Under 10 loans | 50.0% |
| Spartanburg County, SC | 1 | Under 10 loans | 0.0% |
| York County, SC | 1 | Under 10 loans | 66.7% |
| Bartow County, GA | 0 | Under 10 loans | 100.0% |
| Floyd County, GA | 0 | Under 10 loans | 100.0% |
| Henry County, GA | 0 | Under 10 loans | 0.0% |
| McIntosh County, GA | 0 | Under 10 loans | Not published |
| Washington County, GA | 0 | Under 10 loans | Not published |
| Wilkes County, GA | 0 | Under 10 loans | Not published |
| Anderson County, SC | 0 | Under 10 loans | Not published |
| Chester County, SC | 0 | Under 10 loans | 100.0% |
| Florence County, SC | 0 | Under 10 loans | Not published |
| Greenville County, SC | 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.