Lenders › MTC Federal Credit Union › South Carolina
MTC Federal Credit Union 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, MTC Federal Credit Union reported 131 applications and 84 originations for 2024, $12m in all.
Its denial rate in the state was 12.9%, below the South Carolina rate of 25.2% across all lenders and compared with the lender's national rate of 17.9%.
Applications in the state were down 10% on 2023.
Compared with the state and the lender's national record
| Measure | In South Carolina | South Carolina, all lenders | MTC Federal Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 12.9% | 25.2% | 17.9% | 24.3% |
| Median rate spread, pp | — | 0.3 | 0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | — | 15.5% | 5.9% | 15.6% |
| Average originated loan | $145k | $296k | $137k | $329k |
| Home purchase share | 14.3% | 62.8% | 13.8% | 57.0% |
| FHA-insured share | 0.0% | 16.5% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 12.9% | 0.0% | 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 14% (12)Refinancing 1% (1)Cash-out refinancing 12% (10)Other purpose 73% (61)
By type
Conventional 100% (84)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in South Carolina
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Greenville County | 42 | 32 | $6.1m | 8.3% |
| Anderson County | 33 | 19 | $1.7m | 18.5% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did MTC Federal Credit Union originate in South Carolina in 2024?
84 loans totalling $12m, from 131 applications reported for properties in South Carolina.
What is MTC Federal Credit Union's denial rate in South Carolina?
12.9% of decided applications in South Carolina were denied, against 25.2% for all lenders in the state and 17.9% 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 MTC Federal Credit Union lend in most?
By originations: Greenville County (32), Anderson County (19).
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 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.