Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Richland County, South Carolina
Every institution that decided a 1–4 unit mortgage application in Richland County, home to Columbia, between 2023 and 2025: 35,839 applications, 26,416 loans actually funded, across 8 kinds of borrowing.
Richland County at a glance
35,839Applications decided
2023–2025
26,416Loans funded
74% of decisions
98Census tracts
17 ZIP codes
418,725People
ACS 2023
What the data shows
The typical purchase mortgage here is $245K.
Investment home improvement is the hardest money to get here: lenders approved 42% of 199 applications.
Lending by loan type in Richland County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 85.8% | 19,690 | $245K | 96% | 458 |
| Home improvement loans | 61.2% | 3,091 | $75K | 95% | 101 |
| Cash-out refinance | 62.6% | 5,553 | $155K | 93% | 214 |
| Refinance | 76.9% | 4,519 | $245K | 89% | 199 |
| Investment property purchase | 83.3% | 1,795 | $165K | 93% | 262 |
| Investment cash-out refinance | 73.4% | 548 | $135K | 95% | 117 |
| Investment refinance | 75.4% | 444 | $155K | 93% | 95 |
| Investment home improvement | 41.7% | 199 | $95K | 95% | 57 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.