Applications / Mortgage Analytics / Lenders / South Carolina / Lima One Capital
Greenville, SC · Non-bank or government lender · CFPB · 2,379 loans in 2025
Lima One Capital's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
2,379
loans originated, 2025
4,002
applications, 2025
46
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lima One Capital is a national lender of plain conventional loans, spread across 46 states, whose lending fell for a third year in 2025 while similar lenders grew.
Every loan Lima One Capital made was conventional, with no government backing and no manufactured homes. Refinances were 53.9% of its loans and purchases 46.1%, across 234 metros. It reports no borrower incomes, which may mean that many of its borrowers are businesses, such as property investors, rather than households.
Its loans fell 37%, to 2,379 from 3,761. Similar lenders (non-bank lenders making between half and twice as many loans) grew 18%, and the whole market grew 10%; no peer did worse. Lending peaked at 4,802 loans in 2022 and has fallen each year since. The data do not say why. A lender built on one kind of loan would feel any change in demand for it, or in its own appetite for risk, quickly.
Low- and moderate-income (LMI) neighborhoods took 44.0% of its loans, against 33.9% for peers, higher than about three-quarters of them. Majority-minority neighborhoods took 45.6%, close to peers' 44.5%.
Its typical loan was $225,000, up from $195,000 a year earlier and $135,000 in 2020, but still below peers' $305,000. In Portland, its largest market, it held 0.3% of lending, unchanged, and ranked 65 of 566 lenders. It entered Eau Claire, Bowling Green and Lincoln in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lima One Capital took 4,002 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 53.9% · Purchase 46.1%
Conventional 100.0% · of 2,379 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 |
|---|---|---|
| Florida | 269 | 11.3% |
| North Carolina | 262 | 11.0% |
| Virginia | 149 | 6.3% |
| South Carolina | 137 | 5.8% |
| Georgia | 131 | 5.5% |
| Tennessee | 130 | 5.5% |
| Texas | 120 | 5.0% |
| Ohio | 114 | 4.8% |
| Pennsylvania | 108 | 4.5% |
| Indiana | 101 | 4.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Memphis | 91 |
| Charlotte-Concord-Gastonia | 75 |
| Fayetteville | 73 |
| Greenville-Anderson-Greer | 69 |
| Portland-Vancouver-Hillsboro | 67 |
| Atlanta-Sandy Springs-Roswell | 58 |
| Las Vegas-Henderson-North Las Vegas | 52 |
| Arlington-Alexandria-Reston | 41 |
| Houston-Pasadena-The Woodlands | 41 |
| Virginia Beach-Chesapeake-Norfolk | 40 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900FBWEZ3YUPOBN33 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7272056826 |
Established 8 February 2010. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Lima One Capital's data.
Lima One Capital's data
$215
Lima One Capital 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.
Buy Lima One Capital's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]