The Central Trust Bank in South Carolina vs the state
5.0%Denial rate-13.31 pts vs state
7.1%Decision denial rate-16.33 pts vs state
60.0%Origination rate+3.39 pts vs state
6.31%Median rate-0.19 pts vs state
-0.20Rate spread (pts)-0.42 pts vs state
$121kMedian applicant income
12Loans originated
1Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 47 | 29 | 0.0% | 6.25% | #329 |
| 2024 | 30 | 16 | 3.3% | 7.00% | #394 |
| 2025 | 20 | 12 | 5.0% | 6.31% | #451 |
What The Central Trust Bank lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most The Central Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Aiken County | 3 | 3 | 0 | 0.0% |
| Horry County | 3 | 1 | 0 | 0.0% |
| York County | 2 | 1 | 0 | 0.0% |
| Richland County | 2 | 0 | 1 | 50.0% |
| Charleston County | 2 | 2 | 0 | 0.0% |
| Georgetown County | 2 | 2 | 0 | 0.0% |
| Pickens County | 2 | 1 | 0 | 0.0% |
| Berkeley County | 2 | 1 | 0 | 0.0% |
| Greenville County | 1 | 1 | 0 | 0.0% |
| Florence County | 1 | 0 | 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: 20 applications in 2025, of which 12 were originated and 1 denied.
5.0% of all applications, or 7.1% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans The Central Trust Bank originated in South Carolina in 2025 was 6.31%, against a statewide median of 6.50%.
About this data. Figures are The Central Trust Bank'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