Applications / Mortgage Analytics / Lenders / South Carolina / Resource Financial Services
Columbia, SC · Independent non-bank lender · CFPB · 860 loans in 2025
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860
loans originated, 2025
1,129
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Resource Financial Services, a Columbia, South Carolina, non-bank lender, is a veterans' lender: nearly a quarter of its loans are VA loans (guaranteed by the Department of Veterans Affairs), about four times the share at similar lenders.
VA loans made up 24.2% of its lending and FHA loans (insured by the Federal Housing Administration) 27.8%. At the typical similar lender, meaning independent non-bank lenders making between half and twice as many loans, the VA share was 6.2%. Only 46.0% of its loans were conventional, down from 77.5% in 2020.
Its typical loan was $255,000, against $325,000 at peers. Some 36.5% of its loans went to majority-minority neighborhoods, more than at about two-thirds of similar lenders, and 30.3% of its borrowers had low or moderate incomes.
It made 860 loans in 2025, 2% fewer than in 2024, while similar lenders grew 3% and the whole market 10%. It made 3,017 loans in 2020; its count bottomed at 673 in 2023. With more than nine loans in ten for purchases, it may have had less to gain from refinancing than some peers.
It ranks fourth of 193 lenders in Sumter, where its share rose from 4.2% to 4.8%. In Columbia, its home market, it ranks 11 of 515, and its share slipped from 2.1% to 1.9%, perhaps because rivals grew faster there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Resource Financial Services took 1,129 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 91.2% · Refinance 8.8%
Conventional 46.0% · FHA 27.8% · VA 24.2% · USDA (RHS or FSA) 2.0% · of 860 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 | 680 | 79.1% |
| North Carolina | 106 | 12.3% |
| Florida | 59 | 6.9% |
| Georgia | 11 | 1.3% |
| Texas | 2 | 0.2% |
| Kentucky | 1 | 0.1% |
| Mississippi | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbia | 406 |
| Sumter | 105 |
| Jacksonville | 51 |
| Raleigh-Cary | 36 |
| Greenville-Anderson-Greer | 29 |
| Charleston-North Charleston | 23 |
| Augusta-Richmond County | 19 |
| Wilmington | 18 |
| Florence | 16 |
| Charlotte-Concord-Gastonia | 15 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300916KMYQ118CX89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3958205 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7473490361 |
Established 23 March 2015. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Resource Financial Services's data.
Resource Financial Services's data
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