Applications / Mortgage Analytics / Lenders / South Carolina / Barley Mortgage
Mt Pleasant, SC · Non-bank or government lender · CFPB · 68 loans in 2025
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68
loans originated, 2025
93
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Barley Mortgage, a South Carolina non-bank lender based in Mt Pleasant, grew its loans by 48% in 2025, far faster than similar lenders, though it remains well below its 2021 peak.
It made 68 loans, up from 46, while similar lenders (non-bank or government lenders making between half and twice as many loans) fell by a typical 5%; its growth was faster than at about six in seven of them. Even so, it made 301 loans in 2021 and only 40 in 2023.
Its largest market is Charleston-North Charleston, SC, where it ranked 83 of 617 lenders and lifted its share to 0.3% from 0.2%; Wells Fargo Bank led. It also lends in Columbia, Greenville, Myrtle Beach and Hilton Head, all in one state.
Only 5.9% of its loans went to low- and moderate-income (LMI) borrowers, against 25.0% at similar lenders, and 8.8% were in LMI neighborhoods, against 23.7%. Its loans are larger than peers', typically $465,000 against $397,500, which may point to better-off buyers. The share swings with so small a book: it was 28.3% in 2024.
92.6% of its loans were conventional and 7.4% were guaranteed by the Department of Veterans Affairs (VA); the typical similar lender made none. None of its loans was higher-priced (a rate well above the average for similar loans), against 2.5% at peers.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Barley Mortgage took 93 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.7% · Refinance 33.8% · Home improvement 1.5%
Conventional 92.6% · VA 7.4% · of 68 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 | 68 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charleston-North Charleston | 62 |
| Columbia | 3 |
| Greenville-Anderson-Greer | 1 |
| Hilton Head Island-Bluffton-Port Royal | 1 |
| Myrtle Beach-Conway-North Myrtle Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300810F3G8UKNJ127 | 2019–2025 |
Established 29 May 2019. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Barley Mortgage's data.
Barley Mortgage's data
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Barley Mortgage 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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