Bank of the Lowcountry at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
65th6.6% deniedProcesswithdrawn + incomplete share, weight 15%
95th0.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 108 | 102 | 3.7% | 3.8% | — | $31M |
| 2024 | 96 | 91 | 2.1% | 2.2% | — | $42M |
| 2025 | 122 | 114 | 6.6% | 6.6% | — | $39M |
What Bank of the Lowcountry lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 31 manufactured homes, 29 investment properties.
Why Bank of the Lowcountry denies applications
Primary reason reported for each of the 8 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Bank of the Lowcountry
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 22 | 21 | 4.6% |
| $100k – $150k | 21 | 20 | 4.8% |
| $150k – $250k | 25 | 24 | 4.0% |
| Over $250k | 26 | 26 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 28 | 28 | 0.0% |
| 55–64 | 21 | 18 | 14.3% |
Where Bank of the Lowcountry lends
2 states and 13 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| South Carolina | 121 | 113 | 6.6% | — | #236 |
Frequently asked questions
Bank of the Lowcountry denied 6.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 65th percentile of small mortgage lenders.
The most common reason Bank of the Lowcountry gave in 2025 was "credit history", cited on 87.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 49% of its applications were for home purchases, 35% for refinancing (including cash-out), and 16% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.