Carolina Bank & Trust in South Carolina vs the state
4.7%Denial rate-13.66 pts vs state
5.9%Decision denial rate-17.59 pts vs state
74.4%Origination rate+17.81 pts vs state
—Median rate
—Rate spread (pts)
$110kMedian applicant income
64Loans originated
4Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 152 | 114 | 7.9% | — | #194 |
| 2024 | 112 | 72 | 8.0% | — | #231 |
| 2025 | 86 | 64 | 4.7% | — | #273 |
What Carolina Bank & Trust lends in South Carolina
By loan purpose
By loan type
Where in South Carolina
Counties with the most Carolina Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Florence County | 29 | 20 | 0 | 0.0% |
| Darlington County | 21 | 16 | 1 | 4.8% |
| Chesterfield County | 8 | 4 | 1 | 12.5% |
| Horry County | 7 | 5 | 1 | 14.3% |
| Charleston County | 4 | 3 | 1 | 25.0% |
| Lee County | 3 | 3 | 0 | 0.0% |
| Anderson County | 2 | 2 | 0 | 0.0% |
| Marlboro County | 2 | 2 | 0 | 0.0% |
| Greenville County | 2 | 2 | 0 | 0.0% |
| Georgetown County | 2 | 2 | 0 | 0.0% |
Other large lenders in South Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,403 | 16.8% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 12,272 | 40.7% | 6.50% |
| United Shore Financial Services | B | 9,236 | 12.8% | 6.13% |
| 21st Mortgage | F | 6,510 | 48.2% | 10.41% |
| Dhi Mortgage Company | B | 6,184 | 17.4% | 4.99% |
| Navy Federal Credit Union | D | 5,424 | 21.2% | 7.50% |
| First-Citizens Bank & Trust | B | 5,399 | 20.9% | 6.38% |
| Freedom Mortgage | B | 5,296 | 7.3% | 6.25% |
| Mortgage Research Center | C | 5,189 | 19.1% | 6.25% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
Frequently asked questions
South Carolina: 86 applications in 2025, of which 64 were originated and 4 denied.
4.7% of all applications, or 5.9% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Carolina Bank & Trust's own HMDA filing for properties located in South Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology