Lender in South Carolina · HMDA 2025
Navy Federal Credit Union mortgages in South Carolina
Navy Federal Credit Union's 2025 home-purchase and refinance lending in South Carolina, compared with all lenders in the state.
Navy Federal Credit Union originated 1,082 owner-occupied single-family loans in South Carolina from 1,325 completed applications, making it the state's #20 lender by volume.
Its median conventional purchase loan costs were $3,370 versus $5,190 for all South Carolina lenders, at a median 30-year fixed rate of 6.625% (South Carolina: 6.624%).
Loans in SC
1,082
of 1,325 applications
Denial rate
10.3%
Purchase · SC 8.8%
Rate spread
−0.05 pts
Conv. · SC +0.12 pts
Loan amount
$325,000
Purchase · SC $295,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 933 | 830 | 10.3% | 6.625% | −0.05 pts | $3,370 | $325,000 |
| Refinance | 141 | 108 | 22.0% | 6.250% | −0.30 pts | $2,330 | $305,000 |
| Cash-out refinance | 251 | 144 | 40.2% | 6.875% | +0.12 pts | $2,340 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
South Carolina counties where Navy Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bamberg County | 3 | 3 | 4.6% |
| Beaufort County | 7 | 89 | 2.5% |
| Dorchester County | 8 | 94 | 2.4% |
| Colleton County | 9 | 8 | 2.5% |
| Abbeville County | 12 | 4 | 1.9% |
| Richland County | 13 | 125 | 1.7% |
| Sumter County | 13 | 31 | 2.1% |
| Berkeley County | 14 | 127 | 1.9% |
| Union County | 15 | 3 | 1.1% |
| Williamsburg County | 15 | 2 | 1.8% |
| Edgefield County | 16 | 8 | 1.8% |
| Aiken County | 17 | 41 | 1.4% |
| Darlington County | 17 | 7 | 1.2% |
| Oconee County | 18 | 11 | 1.0% |
| Newberry County | 18 | 5 | 1.4% |
| Marion County | 18 | 2 | 1.1% |
| Lee County | 18 | 1 | 1.4% |
| Orangeburg County | 19 | 9 | 1.3% |
| Charleston County | 20 | 85 | 1.3% |
| Lexington County | 22 | 69 | 1.2% |
| Pickens County | 22 | 20 | 1.1% |
| Jasper County | 22 | 11 | 0.9% |
| Greenwood County | 23 | 6 | 0.8% |
| Chesterfield County | 23 | 3 | 0.9% |
| Florence County | 24 | 15 | 1.0% |
| Kershaw County | 24 | 13 | 1.1% |
- Navy Federal Credit Union nationwide
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- Navy Federal Credit Union in Tennessee
- Navy Federal Credit Union in Washington
- Navy Federal Credit Union in Alabama
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology