Applications / Mortgage Analytics / Lenders / South Carolina / Sharonview Federal Credit Union
Indian Land, SC · Credit union · NCUA · $1.4 billion assets · 471 loans in 2025
Sharonview Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
471
loans originated, 2025
1,090
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sharonview Federal Credit Union is a lender for homeowners rather than home buyers: home-improvement and other-purpose loans made up more than four-fifths of its 471 loans in 2025, and purchases almost none.
Home improvement accounted for 38.2% of its loans and other purposes for 45.0%. Refinances made up 16.6% and purchases 0.2%. Every loan was conventional. Its typical loan, $105,000, matched that of similar lenders, here credit unions making between half and twice as many loans.
Its loans fell 12% in 2025, from 536 to 471, while similar lenders grew 7% and the whole market 10%. Only about one in six peers had slower growth. The decline is older than that: it made 1,731 loans in 2020 and 1,389 in 2022 before dropping to 505 in 2023. Demand for the improvement and other-purpose loans it specializes in may have weakened, or it may have chosen to lend less; the figures do not say which.
Some 18.6% of its loans went to low- and moderate-income (LMI) neighborhoods, against 15.4% at the typical peer, a higher share than at about seven in ten similar lenders. Its share in majority-minority neighborhoods, 18.9%, was also above the peer figure of 11.4%.
It has lent in Charlotte-Concord-Gastonia and Greenville-Anderson-Greer since 1990, yet holds about 0.1% of each, ranking 141 of 775 in Charlotte. United Wholesale Mortgage and Rocket Mortgage lead there. A book of improvement and other-purpose loans competes for a different borrower than the purchase lenders at the top.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sharonview Federal Credit Union took 1,090 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 45.0% · Home improvement 38.2% · Refinance 16.6% · Purchase 0.2%
Conventional 100.0% · of 471 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 |
|---|---|---|
| North Carolina | 292 | 62.0% |
| South Carolina | 153 | 32.5% |
| New Jersey | 12 | 2.5% |
| Georgia | 6 | 1.3% |
| Florida | 4 | 0.8% |
| Pennsylvania | 2 | 0.4% |
| Virginia | 2 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Charlotte-Concord-Gastonia | 232 |
| Greenville-Anderson-Greer | 67 |
| Spartanburg | 21 |
| Wilmington | 15 |
| Fayetteville | 10 |
| Florence | 8 |
| Hickory-Lenoir-Morganton | 5 |
| Lakewood-New Brunswick | 5 |
| Winston-Salem | 5 |
| Atlanta-Sandy Springs-Roswell | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KRHOMDHAKS8L29 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 942584 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 522458 | 1990–2017 |
Established 1 January 1976. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Sharonview Federal Credit Union's data.
Sharonview Federal Credit Union's data
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Sharonview 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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