South Carolina Federal Credit Union mortgage approval rate & lending review
South Carolina Federal Credit Union decided 3,127 mortgage applications and funded 2,717 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions South Carolina Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
South Carolina Federal Credit Union at a glance
Approval is 15.9 points above the 72.3% 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 | 95% | 776 / 815 | 100% | $325K | 774 |
| Home improvement loans | 91% | 760 / 835 | 98% | $75K | 743 |
| Cash-out refinance | 83% | 1,085 / 1,312 | 98% | $75K | 1,065 |
| Refinance | 85% | 80 / 94 | 100% | $325K | 80 |
| Investment property purchase | 96% | 43 / 45 | 98% | $455K | 42 |
South Carolina Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| South Carolina | 88% | $75K | 3,035 | 2,636 |
| North Carolina | 90% | $385K | 60 | 53 |
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 South Carolina Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Charleston County, SC | Cash-out refinance | 87% | 461 | 393 |
| Charleston County, SC | Home improvement loans | 93% | 322 | 295 |
| Charleston County, SC | Mortgage lenders | 94% | 289 | 271 |
| Berkeley County, SC | Cash-out refinance | 83% | 308 | 250 |
| Berkeley County, SC | Home improvement loans | 92% | 172 | 156 |
| Berkeley County, SC | Mortgage lenders | 96% | 156 | 149 |
| Dorchester County, SC | Cash-out refinance | 79% | 179 | 139 |
| Dorchester County, SC | Home improvement loans | 90% | 134 | 119 |
| Dorchester County, SC | Mortgage lenders | 97% | 92 | 89 |
| Greenville County, SC | Cash-out refinance | 92% | 71 | 64 |
| Lexington County, SC | Cash-out refinance | 74% | 61 | 45 |
| Richland County, SC | Cash-out refinance | 81% | 54 | 42 |
The county markets where South Carolina Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about South Carolina Federal Credit Union
What is South Carolina Federal Credit Union's mortgage approval rate?
South Carolina Federal Credit Union approved 88.2% of the 3,127 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.9 points above the 72.3% national rate for the same mix of loan types.
How often do borrowers take the loan South Carolina Federal Credit Union offers?
Borrowers accepted 99% of the loans South Carolina Federal Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does South Carolina Federal Credit Union make?
The typical cash-out refinance loan South Carolina Federal Credit Union made was $75K; across all loan types its typical loan ran from $75K to $455K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does South Carolina Federal Credit Union lend?
South Carolina Federal Credit Union decided applications in 7 of the states Fat Boy Data covers, most of them in South Carolina, North Carolina and Florida.
Can I apply to South Carolina Federal Credit Union directly?
Yes. South Carolina Federal Credit Union is a bank or credit union with 33 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show South Carolina 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 South Carolina Federal Credit Union treats applications, then get a rate quote from the lender.