Applications / Mortgage Analytics / Lenders / South Carolina / Mid Carolina Credit Union
Lugoff, SC · Credit union · NCUA · $182 million assets · 48 loans in 2025
Mid Carolina Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
48
loans originated, 2025
48
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mid Carolina Credit Union does much of its lending in poorer neighborhoods, and much of it for purposes other than buying or refinancing a home.
It made 39.6% of its loans in low- and moderate-income (LMI) neighborhoods, against 17.4% at similar lenders, meaning credit unions making between half and twice as many loans. That is higher than more than nine in ten of them. Its share of loans to LMI borrowers, 31.9%, sits near the peers' 31.3%.
The largest part of its lending, 41.7%, was for purposes other than a purchase, a refinance or home improvement. Refinancing made up 35.4% and home purchases 22.9%. All its loans were conventional, with no government backing.
It made 93 loans in 2018 and has made between 41 and 49 a year since 2021. In 2025 it made 48, down 2%, while similar lenders grew 5% and the whole market 10%. At this size a few loans either way decide the direction.
Columbia, SC is its main market, where it has lent since 2004. It ranked 122 of 515 lenders there, with 0.1% of the market, unchanged from a year before. Guild Mortgage Company leads, with $313.6M.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mid Carolina Credit Union took 48 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 41.7% · Refinance 35.4% · Purchase 22.9%
Conventional 100.0% · of 48 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 | 48 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbia | 44 |
| Charlotte-Concord-Gastonia | 1 |
| Greenville-Anderson-Greer | 1 |
| Myrtle Beach-Conway-North Myrtle Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GB84TJEK0SHQ79 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 530196 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560735 | 2004–2017 |
Established 1 January 1961. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Mid Carolina Credit Union's data.
Mid Carolina Credit Union's data
$215
Mid Carolina 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.
Buy Mid Carolina Credit Union'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]