Lenders › Village Capital & Investment › South Carolina
Village Capital & Investment in South Carolina
HMDA record for properties in South Carolina, calendar year 2024. National record · South Carolina overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In South Carolina, Village Capital & Investment reported 987 applications and 324 originations for 2024, $106m in all.
Its denial rate in the state was 20.0%, below the South Carolina rate of 25.2% across all lenders and compared with the lender's national rate of 18.0%.
The median rate spread on its South Carolina originations was -0.6 percentage points (state median 0.3).
Applications in the state were up 94% on 2023.
Compared with the state and the lender's national record
| Measure | In South Carolina | South Carolina, all lenders | Village Capital & Investment, all states | United States |
|---|---|---|---|---|
| Denial rate | 20.0% | 25.2% | 18.0% | 24.3% |
| Median rate spread, pp | -0.6 | 0.3 | -0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.5% | 15.5% | 1.7% | 15.6% |
| Average originated loan | $329k | $296k | $357k | $329k |
| Home purchase share | 1.9% | 62.8% | 5.5% | 57.0% |
| FHA-insured share | 21.0% | 16.5% | 28.1% | 13.4% |
| VA-guaranteed share | 79.0% | 12.9% | 71.5% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateSouth Carolina, all lenders
Loan purpose and loan type in South Carolina
By purpose
Home purchase 2% (6)Refinancing 81% (262)Cash-out refinancing 17% (56)
By type
Denial reasons as coded
Share of 148 denials in South Carolina by first denial reason coded (outlined bar: all lenders in the state).
Counties in South Carolina
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Richland County | 127 | 52 | $16m | 19.6% |
| Horry County | 100 | 33 | $11m | 17.2% |
| Berkeley County | 96 | 30 | $10m | 27.4% |
| Lexington County | 72 | 27 | $9.1m | 11.8% |
| York County | 40 | 17 | $6.5m | 15.2% |
| Dorchester County | 49 | 16 | $6.2m | 15.6% |
| Spartanburg County | 47 | 16 | $4.9m | 12.1% |
| Florence County | 26 | 13 | $3.7m | — |
| Beaufort County | 47 | 11 | $4.2m | 24.2% |
| Greenville County | 61 | 10 | $3.3m | 23.1% |
| Aiken County | 37 | 10 | $3.3m | 23.1% |
| Charleston County | 29 | 10 | $5.0m | — |
| Kershaw County | 29 | 10 | $3.1m | — |
| Anderson County | 30 | 9 | $2.9m | — |
| Sumter County | 25 | 9 | $2.5m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Village Capital & Investment originate in South Carolina in 2024?
324 loans totalling $106m, from 987 applications reported for properties in South Carolina.
What is Village Capital & Investment's denial rate in South Carolina?
20.0% of decided applications in South Carolina were denied, against 25.2% for all lenders in the state and 18.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which South Carolina counties does Village Capital & Investment lend in most?
By originations: Richland County (52), Horry County (33), Berkeley County (30), Lexington County (27), York County (17).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in South Carolina. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.