At a glance
From its website, read 2 Nov 2026Midlands Housing Trust Fund is a loan fund based in Columbia, South Carolina. Its website describes affordable housing development loans. Stated loan amounts run from $10,000 to $250,000. Where it lends: Twenty-three-county area of South Carolina in the Midlands; LIHTC gap financing statewide in South Carolina.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (803) 764-3976 source |
|---|---|
| Website | www.midlandshousing.org |
| Office (official list) | 1201 Main, Ste. 1480, Columbia, SC 29201 |
What their website says about applying
read all of the application instructions in their entirety first. Then complete all sections of the application in the same order in which they appear.
sourcePrepare the supporting documents necessary for your application. This includes appraisals, environmental assessments, title insurance, and more.
sourceThe application materials must be accompanied by a $500 check for the non-refundable application fee.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Term: see their wording | paid monthly for a term not to exceed 240 months unless otherwise approved by the board. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Income limit applies
for households earning less than 80% of Area Median Income in a twenty-three county area of South Carolina
source - Collateral required
Funding from the Trust is provided to developers in the form of collateralized loans.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 7 Jul 2016 |
| RSSD ID | — (none listed) |
| Address | 1201 Main, Ste. 1480, Columbia, SC 29201 Directions (Google Maps) |
| Website | www.midlandshousing.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loans are made to housing developers and applications are submitted by email or mail; no online application was found. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Affordable housing development loans | — | lends to housing developers for creation, rehabilitation, and preservation of affordable housing | source |
Loan sizes
Minimum loan amount of $10,000
sourceMaximum: Typically up to $250,000 or 50% of total loan capital
source
Range used for the size filter: $10,000 to $250,000
Service area
Twenty-three-county area of South Carolina in the Midlands; LIHTC gap financing statewide in South Carolina
a twenty-three county area of South Carolina (Abbeville, Aiken, Allendale, Bamberg, Barnwell, Calhoun, Clarendon, Edgefield, Fairfield, Florence, Greenwood, Horry, Kershaw, Lexington, Lee, McCormick, Marion, Newberry, Orangeburg, Richland, Saluda, Sumter, and Williamsburg)
source
Statewide: South Carolina
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://midlandshousing.org/
- https://midlandshousing.org/loan-programs/
- https://midlandshousing.org/loan-products/
- https://midlandshousing.org/applications-policies/
- https://midlandshousing.org/finance/
- https://midlandshousing.org/lending-priorities/
- https://midlandshousing.org/how-to-apply-for-a-loan-with-mhtf-a-step-by-step-guide/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What interest rate and fees should I expect on your affordable housing development loans?
Their website does not state a rate for this. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$1.8 million in 4 awards from the U.S. Treasury's CDFI Fund, 2014–2022 (CDFI Equitable Recovery Program; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2021 | CDFI Rapid Response Program | $1,094,000 |
| 2015 | CDFI Program, Technical Assistance | $125,000 |
| 2014 | CDFI Program, Technical Assistance | $124,040 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Jun 2023| Total assets | $3M |
|---|---|
| Total liabilities | $845,664 |
| Net assets | $2.1M |
| Total revenue | $621,490 |
| Notes and loans receivable, net (Part X line 7) | $1.4M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 27-4149384, filed as “MIDLANDS HOUSING TRUST FUND”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Jun 2021 (990) | $2.6M | $1.2M | $174,196 | $821,780 |
| Jun 2022 (990) | $2.5M | $1.7M | $697,145 | $1.1M |
| Jun 2023 (990) | $3M | $2.1M | $621,490 | $1.4M |
Total assets grew 16% from Jun 2021 to Jun 2023; notes and loans receivable rose 73%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $250,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 38% of these 184. |
| Total assets, latest IRS Form 990 | $3M | Larger than 15% of the 449 other certified loan funds and venture funds nationwide with a matched Form 990 (median $15.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 38% |
| Form 990 total assets | certified loan and venture funds with a Form 990, nationwide | 449 | larger than 15% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Columbia and South Carolina
- Business Development Corp of SCLoan fund · Columbia, SCCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Caro Federal Credit UnionCredit union · Columbia, SCOfficial list only
- Optus BankBank or thrift · Columbia, SCAuto / vehicle loans, Commercial real estate loans, Energy / solar / efficiency loans, Equipment loans…Verified
- Optus Financial CorporationBank holding company · Columbia, SCAuto / vehicle loans, Commercial real estate loans, Energy / solar / efficiency loans, Equipment loans…Verified
Work at Midlands Housing Trust Fund? Link to this page
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