Lender in South Carolina · HMDA 2025
Safe Federal Credit Union mortgages in South Carolina
Safe Federal Credit Union's 2025 home-purchase and refinance lending in South Carolina, compared with all lenders in the state.
Safe Federal Credit Union originated 301 owner-occupied single-family loans in South Carolina from 432 completed applications.
Its median conventional purchase loan costs were $3,270 versus $5,190 for all South Carolina lenders, at a median 30-year fixed rate of 6.375% (South Carolina: 6.624%).
Loans in SC
301
of 432 applications
Denial rate
7.7%
Purchase · SC 8.8%
Rate spread
−0.13 pts
Conv. · SC +0.12 pts
Loan amount
$215,000
Purchase · SC $295,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 209 | 161 | 7.7% | 6.375% | −0.13 pts | $3,270 | $215,000 |
| Refinance | 29 | 16 | 37.9% | — | — | — | — |
| Cash-out refinance | 194 | 124 | 28.9% | 6.375% | +0.17 pts | $2,660 | $135,000 |
*Conventional loans only; medians with at least 20 loans.
South Carolina counties where Safe Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Lee County | 1 | 9 | 12.2% |
| Sumter County | 3 | 91 | 6.2% |
| Clarendon County | 6 | 8 | 3.3% |
| Kershaw County | 12 | 24 | 2.0% |
| Dillon County | 13 | 2 | 1.4% |
| Darlington County | 16 | 8 | 1.4% |
| Florence County | 18 | 22 | 1.5% |
| Lexington County | 23 | 68 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology