The Midlands Housing Trust Fund All Credit Levels is a cdfi lender from Midlands Housing Trust Fund. Loan terms: MHTF lends to housing developers for creation, rehabilitation, and preservation of affordable housing for households earning less than 80% of Area Median Income.. Midlands Housing Trust Fund (MHTF) is a certified Community Development Financial Institution (CDFI) based in Columbia, SC, focused on creating and preserving affordable housing solutions for economically distressed communities. MHTF serves households earning at or below 80% of the Area Median Income across a twenty-three county area in South Carolina, providing financing and technical assistance to housing developers. Services include: business-to-business community development loans. US Treasury certified CDFI Loan Fund in Columbia, SC.