Applications / Mortgage Analytics / Lenders / South Carolina / South Carolina Federal Credit Union
North Charleston, SC · Credit union · NCUA · $2.5 billion assets · 944 loans in 2025
South Carolina Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
944
loans originated, 2025
1,660
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
South Carolina Federal Credit Union is a Charleston-based credit union whose lending is mostly refinancing and home improvement, and whose originations fell 14% in 2025 while similar lenders grew.
Refinances were 48.1% of its loans and home improvement 25.7%; home purchases were 26.2%. All its loans were conventional, as at most similar lenders (credit unions making between half and twice as many loans). Its jumbo share (larger than the conforming limit) was 11.9%, against 1.0% at peers, higher than nearly all of them.
Originations fell 14% to 944, while similar lenders grew 8% and the whole market 10%. It made 2,274 loans in 2020, when its typical rate was 3.12%; with refinancing nearly half its lending, the higher rates since, 7.62% in 2025, are one possible reason for the lower volume.
Its share of Charleston-North Charleston fell 0.5 points to 1.4%, ranking 19 of 617 lenders. Its lower volume this year may account for it. Elsewhere in South Carolina it held its shares in Columbia, Greenville and Myrtle Beach.
LMI (low- and moderate-income) areas took 17.4% of its loans against 15.0% at peers, and majority-minority areas 15.9% against 10.5%, both up from five years before. Its purchase denial rate, 4.7%, and refinance denial rate, 14.7%, were lower than peers' 6.2% and 20.6%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. South Carolina Federal Credit Union took 1,660 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 48.1% · Purchase 26.2% · Home improvement 25.7%
Conventional 100.0% · of 944 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 | 913 | 96.7% |
| North Carolina | 18 | 1.9% |
| Georgia | 6 | 0.6% |
| Florida | 4 | 0.4% |
| Missouri | 1 | 0.1% |
| Tennessee | 1 | 0.1% |
| Virginia | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charleston-North Charleston | 611 |
| Columbia | 83 |
| Greenville-Anderson-Greer | 75 |
| Myrtle Beach-Conway-North Myrtle Beach | 28 |
| Spartanburg | 26 |
| Florence | 23 |
| Charlotte-Concord-Gastonia | 18 |
| Hilton Head Island-Bluffton-Port Royal | 5 |
| Atlanta-Sandy Springs-Roswell | 3 |
| Augusta-Richmond County | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WC12JROIUVWY16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 625476 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51022 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: South Carolina Federal Credit Union's data.
South Carolina Federal Credit Union's data
$215
South Carolina 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.
Buy South Carolina Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]