Purchase Originations
224
Median Total Costs
$7,533
+12.8% vs national ($6,680)
↑ $450 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$4,572
Median Lender Credits
$540
Denial Rate
3.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 224 | 6.125% | $7,533 | $4,572 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| South Carolina | 207 | 6.125% | $7,500 | #73 |
| North Carolina | 9 | 6.250% | $7,390 | — |
| Florida | 4 | 6.250% | $9,011 | — |
| Georgia | 2 | 5.938% | $26,134 | — |
| Missouri | 1 | 4.840% | $3,424 | — |
| Tennessee | 1 | 6.250% | $11,848 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,624 | 6.438% | — | 4 | −$1,909 | |
| 2 | $5,796 | 6.625% | — | 5 | −$1,737 | |
| 3 | $5,894 | 6.375% | — | 8 | −$1,639 | |
| 4 | $5,967 | 6.375% | — | 12 | −$1,566 | |
| 5 | $5,967 | 5.875% | — | 9 | −$1,566 | |
| 6 | $5,976 | 6.500% | — | 1 | −$1,557 | |
| 7 | $6,527 | 5.875% | — | 6 | −$1,006 | |
| 8 | $6,689 | 6.688% | — | 8 | −$844 | |
| 9 | $6,858 | 5.938% | — | 2 | −$675 | |
| 10 | $6,902 | 6.188% | — | 40 | −$631 | |
| 11 | $7,130 | 6.125% | — | 10 | −$403 | |
| 12 | $7,390 | 6.875% | — | 1 | −$143 | |
| 13 | $7,682 | 6.375% | — | 11 | +$149 | |
| 14 | $7,749 | 6.000% | — | 2 | +$216 | |
| 15 | $7,890 | 6.125% | — | 23 | +$357 | |
| 16 | $9,160 | 6.625% | — | 1 | +$1,627 | |
| 17 | $11,953 | 5.875% | — | 3 | +$4,420 | |
| 18 | $12,492 | 6.125% | — | 64 | +$4,959 | |
| 19 | $13,187 | 6.375% | — | 3 | +$5,654 | |
| 20 | $21,321 | 5.875% | — | 1 | +$13,788 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | South Carolina Federal Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $7,533 | $7,127 | +$406 (+5.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.