# MID CAROLINA Credit Union

> **Canonical URL:** https://saferate.com/lenders/mid-carolina-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


MID CAROLINA Credit Union is a credit union, headquartered in Lugoff, SC, with 22 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 21% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 67% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300GB84TJEK0SHQ79
- **Headquarters:** Lugoff, SC
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** SC
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.186%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,286
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 22
- **Dollar Volume:** $5 million
- **Applications Received:** 22
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $209,091
- **Average Borrower Income:** $105,000
- **Average Property Value:** $318,636

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 21/100 | 22 | -0.186% | $2,286 | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Refinance | 32/100 | 13 | $2M | -0.195% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| SC | 22 | 0.03% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Columbia, SC | SC | 20 | 62/100 |

## Frequently Asked Questions

### What loan types does MID CAROLINA Credit Union offer?

MID CAROLINA Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MID CAROLINA Credit Union offer mortgages?

MID CAROLINA Credit Union offers mortgages in 1 states: SC.

### How competitive are MID CAROLINA Credit Union's mortgage rates?

MID CAROLINA Credit Union has a pricing score of 79/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.186% below market average.

### What type of lender is MID CAROLINA Credit Union?

MID CAROLINA Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Lugoff, SC.

### What is MID CAROLINA Credit Union's loan approval success rate?

MID CAROLINA Credit Union has a pull-through score of 33/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/mid-carolina-credit-union

### How to Cite

> "MID CAROLINA Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mid-carolina-credit-union

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