Applications / Mortgage Analytics / Lenders / South Carolina / S.C. State Federal Credit Union
Columbia, SC · Credit union · NCUA · $1.4 billion assets · 1,097 loans in 2025
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1,097
loans originated, 2025
1,615
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
S.C. State Federal Credit Union, a South Carolina credit union whose lending is mostly other-purpose loans and refinances, grew 6% in 2025 to 1,097 loans.
Other purposes were 50.8% of its loans, refinances 32.9%, home improvement 11.4% and home purchases only 4.9%. Its typical loan, $95,000, was smaller than at about four in five similar lenders (credit unions making between half and twice as many loans), where it was $105,000. Manufactured homes were 1.9% of its loans, against 0.3%.
Its typical rate was 4.50%, against 7.00% at similar lenders, lower than nearly all of them, and only 0.1% of its loans were higher-priced (a rate well above the average for similar loans), against 1.5%.
Originations rose 6%, a little below similar lenders' 9% and the whole market's 10%. Over a longer span it grew from 604 loans in 2018 and 793 five years before. It ranked 41 of 515 in Columbia, SC, with 0.7% against 0.8% a year before; shares are measured in dollars, and its smaller loans may weigh little in them.
Majority-minority areas took 18.1% of its loans, against 9.9% at similar lenders, higher than about two-thirds of them. LMI (low- and moderate-income) borrowers took 19.7%, against 27.3%, lower than about four in five; with few purchase loans, its lending goes mostly to existing homeowners, a possible reason.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. S.C. State Federal Credit Union took 1,615 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 50.8% · Refinance 32.9% · Home improvement 11.4% · Purchase 4.9%
Conventional 100.0% · of 1,097 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| South Carolina | 1,082 | 98.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbia | 392 |
| Greenville-Anderson-Greer | 300 |
| Spartanburg | 52 |
| Charleston-North Charleston | 49 |
| Augusta-Richmond County | 29 |
| Florence | 15 |
| Myrtle Beach-Conway-North Myrtle Beach | 12 |
| Charlotte-Concord-Gastonia | 10 |
| Hilton Head Island-Bluffton-Port Royal | 7 |
| Sumter | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001W9K6LDV5X2H07 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 327891 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560919 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 524824 | 2011–2017 |
Established 1 January 1952. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: S.C. State Federal Credit Union's data.
S.C. State Federal Credit Union's data
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S.C. State Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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