Applications / Mortgage Analytics / Lenders / South Carolina / MTC Federal Credit Union
Greenville, SC · Credit union · NCUA · $295 million assets · 92 loans in 2025
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92
loans originated, 2025
122
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MTC Federal Credit Union, based in Greenville, South Carolina, makes most of its home loans for purposes other than buying or refinancing, and lends in eight states.
Loans for other purposes made up 60.9% of its lending; purchases took 23.9% and refinances 15.2%. Its typical loan was $120,000, a little above the $100,000 at similar lenders, credit unions making between half and twice as many loans. All but one loan was conventional.
Its 92 loans spread over 23 counties in eight states. Greenville-Anderson-Greer is its largest market, where it ranks 156 of 589 lenders and Rocket Mortgage leads; its share there slipped from 0.2% to 0.1%, in step with its smaller year. In Spartanburg it edged up. It also lends in rural Oklahoma and Alabama.
Its loans fell 16% in 2025, while similar lenders grew 7% and the whole market 10%. More than four in five of those peers had faster growth. It made 134 loans in 2023, its high point since 2018, and 109 in 2024. The figures do not say why. Most of its loans are for purposes other than buying or refinancing, and a dip in demand for those could explain it.
Some 34.8% of its loans went to low- and moderate-income borrowers, up from 18.4% a year earlier and above the 30.2% typical of similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. MTC Federal Credit Union took 122 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 60.9% · Purchase 23.9% · Refinance 15.2%
Conventional 98.9% · VA 1.1% · of 92 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 | 71 | 77.2% |
| Oklahoma | 12 | 13.0% |
| Alabama | 2 | 2.2% |
| Georgia | 2 | 2.2% |
| Texas | 2 | 2.2% |
| Florida | 1 | 1.1% |
| Kansas | 1 | 1.1% |
| North Carolina | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Greenville-Anderson-Greer | 49 |
| Spartanburg | 11 |
| Columbia | 8 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Augusta-Richmond County | 1 |
| Dallas-Plano-Irving | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Manhattan | 1 |
| Oklahoma City | 1 |
| Pinehurst-Southern Pines | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WDLOVGUYVTS727 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 380289 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 522520 | 2005–2017 |
Established 1 January 1976. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: MTC Federal Credit Union's data.
MTC Federal Credit Union's data
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MTC 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.
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