South Coast Bank & Trust in Georgia vs the state
10.9%Denial rate-8.28 pts vs state
11.1%Decision denial rate-13.96 pts vs state
84.4%Origination rate+30.29 pts vs state
—Median rate
—Rate spread (pts)
$172kMedian applicant income
54Loans originated
7Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 47 | 12.1% | — | #400 |
| 2024 | 57 | 51 | 3.5% | — | #417 |
| 2025 | 64 | 54 | 10.9% | — | #410 |
What South Coast Bank & Trust lends in Georgia
By loan purpose
By loan type
Where in Georgia
Counties with the most South Coast Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Glynn County | 50 | 43 | 4 | 8.0% |
| McIntosh County | 4 | 4 | 0 | 0.0% |
| Wayne County | 3 | 2 | 1 | 33.3% |
| Camden County | 2 | 1 | 1 | 50.0% |
| Bulloch County | 1 | 1 | 0 | 0.0% |
| Laurens County | 1 | 1 | 0 | 0.0% |
| Pierce County | 1 | 0 | 1 | 100.0% |
| Brantley County | 1 | 1 | 0 | 0.0% |
| Morgan County | 1 | 1 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 64 applications in 2025, of which 54 were originated and 7 denied.
10.9% of all applications, or 11.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are South Coast Bank & Trust's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology