Get & compare mortgage quotes anonymously Start in My Home
SCFC
Unclaimed

South Carolina Federal Credit Union

Credit Union•North Charleston, SCHQ•Direct•Reviews near you on Google

South Carolina Federal Credit Union has 390 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 7 mkts
Safe Rate Awards
Jumbo Superstar
Jumbo
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and Jumbo loans

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

South Carolina Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+6.1 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume329
Mix84.4%
Spread
+0.092%Above
Fees
$3,280Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume61
Mix15.6%
Spread
-0.252%Below
Fees
$4,048Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume271
Mix69.5%
Spread
+0.061%Above
Fees
$3,510Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume119
Mix30.5%
Spread
+0.061%Above
Fees
$3,024Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
390
Applications
540
Volume
$181 million
Pricing & Closing
Avg Rate Spread
+0.061%
vs. market APOR
Avg Net Fees
$3,349
Origination − Credits
Pullthrough Rate
72.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$466,564
Avg Borrower Income
$182,467
Avg Property Value
$658,385

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

8
8 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest2
INMO
South6
FLGANCSCTNVA

Top Metro Areas by Place Specialization Score

1© WeaponizingArchitecture · CC BY-SA 4.0
Charleston, SCMetro
Volume 249Mix 63.85% of portfolio
93/100
Exceptional
2© Thomas Kirchel · CC BY-SA 4.0
Columbia, SCMetro
Volume 30Mix 7.69% of portfolio
59/100
Sound
3© James Willamor · CC BY-SA 3.0
Myrtle Beach, SCMetro
Volume 18Mix 4.62% of portfolio
51/100
Sound
4© Spatms · CC BY-SA 4.0
Greenville, SCMetro
Volume 18Mix 4.62% of portfolio
51/100
Sound
5© Doug Gregory from USA · CC BY 2.0
Spartanburg, SCMetro
Volume 12Mix 3.08% of portfolio
46/100
Sound
6© chucka_nc · CC BY-SA 2.0
Charlotte, NC-SCMetro
Volume 14Mix 3.59% of portfolio
45/100
Sound
7© themidnite (original), Yassie (derivative work · CC BY-SA 3.0
Florence, SCMetro
Volume 10Mix 2.56% of portfolio
44/100
Sound

Top States by Place Specialization Score

South Carolina
South Carolina
1
South CarolinaState
Volume 358Mix 91.79% of portfolio
85/100
Exceptional
North Carolina
North Carolina
2
North CarolinaState
Volume 18Mix 4.62% of portfolio
44/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of South Carolina Federal Credit Union?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.