S. C. State Federal Credit Union mortgage approval rate & lending review
S. C. State Federal Credit Union decided 1,731 mortgage applications and funded 1,216 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions S. C. State Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
S. C. State Federal Credit Union at a glance
Approval is 6.4 points above the 71.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 66% | 78 / 119 | 88% | $175K | 69 |
| Home improvement loans | 76% | 405 / 535 | 90% | $65K | 366 |
| Cash-out refinance | 75% | 272 / 365 | 92% | $95K | 250 |
| Refinance | 84% | 578 / 691 | 90% | $105K | 523 |
S. C. State Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| South Carolina | 78% | $95K | 1,728 | 1,216 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where S. C. State Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Richland County, SC | Refinance | 85% | 179 | 140 |
| Lexington County, SC | Refinance | 87% | 172 | 134 |
| Lexington County, SC | Home improvement loans | 82% | 119 | 86 |
| Richland County, SC | Home improvement loans | 74% | 122 | 79 |
| Anderson County, SC | Refinance | 81% | 104 | 73 |
| Richland County, SC | Cash-out refinance | 73% | 98 | 67 |
| Anderson County, SC | Home improvement loans | 74% | 93 | 64 |
| Anderson County, SC | Cash-out refinance | 77% | 69 | 49 |
| Lexington County, SC | Cash-out refinance | 74% | 68 | 45 |
| Pickens County, SC | Refinance | 84% | 55 | 43 |
| Greenville County, SC | Refinance | 81% | 54 | 40 |
| Greenville County, SC | Home improvement loans | 76% | 37 | 25 |
The county markets where S. C. State Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about S. C. State Federal Credit Union
What is S. C. State Federal Credit Union's mortgage approval rate?
S. C. State Federal Credit Union approved 77.6% of the 1,731 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.4 points above the 71.2% national rate for the same mix of loan types.
How often do borrowers take the loan S. C. State Federal Credit Union offers?
Borrowers accepted 91% of the loans S. C. State Federal Credit Union approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does S. C. State Federal Credit Union make?
The typical mortgage refinance loan S. C. State Federal Credit Union made was $105K; across all loan types its typical loan ran from $65K to $175K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does S. C. State Federal Credit Union lend?
S. C. State Federal Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in South Carolina, Georgia and Massachusetts.
Can I apply to S. C. State Federal Credit Union directly?
Yes. S. C. State Federal Credit Union is a bank or credit union with 19 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show S. C. State Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how S. C. State Federal Credit Union treats applications, then get a rate quote from the lender.