Carolina Trust Federal Credit Union in South Carolina vs the state
21.1%Denial rate+2.74 pts vs state
24.0%Decision denial rate+0.53 pts vs state
66.1%Origination rate+9.47 pts vs state
6.25%Median rate-0.25 pts vs state
—Rate spread (pts)
$96kMedian applicant income
113Loans originated
36Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 142 | 94 | 23.9% | 7.25% | #204 |
| 2024 | 157 | 105 | 18.5% | 6.75% | #192 |
| 2025 | 171 | 113 | 21.1% | 6.25% | #197 |
What Carolina Trust Federal Credit Union lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Carolina Trust Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Horry County | 152 | 103 | 30 | 19.7% |
| Florence County | 6 | 3 | 2 | 33.3% |
| Georgetown County | 4 | 2 | 1 | 25.0% |
| Sumter County | 1 | 1 | 0 | 0.0% |
| Richland County | 1 | 1 | 0 | 0.0% |
| Williamsburg County | 1 | 1 | 0 | 0.0% |
| Beaufort County | 1 | 0 | 1 | 100.0% |
| Charleston County | 1 | 0 | 0 | 0.0% |
| Dorchester County | 1 | 1 | 0 | 0.0% |
| Marion County | 1 | 1 | 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: 171 applications in 2025, of which 113 were originated and 36 denied.
21.1% of all applications, or 24.0% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Carolina Trust Federal Credit Union originated in South Carolina in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Carolina Trust Federal Credit Union'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