Carolina Bank & Trust Co.
Carolina Bank & Trust Co. received 92 applications in 2025 and made 70 mortgages, in 20 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $205,000. Of 74 decisions, 4 were denials — 5.4%.
| Legal Entity Identifier | 549300U2ACJ0QKSFKY48 |
|---|---|
| Applications received | 92 |
| Mortgages made | 70 |
| Denied | 4 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Carolina Bank & Trust Co., 14 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 47 | Not published | $265,000 | 6.0% |
| Refinancing | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Other purposes | 16 | Not published | $75,000 | 0.0% |
Where Carolina Bank & Trust Co. lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Florence County, SC | 20 | Not published | 0.0% |
| Darlington County, SC | 16 | Not published | 5.9% |
| Horry County, SC | 5 | Under 10 loans | 16.7% |
| Chesterfield County, SC | 4 | Under 10 loans | 20.0% |
| Charleston County, SC | 3 | Under 10 loans | 25.0% |
| Lee County, SC | 3 | Under 10 loans | 0.0% |
| Brunswick County, NC | 2 | Under 10 loans | 0.0% |
| Anderson County, SC | 2 | Under 10 loans | 0.0% |
| Georgetown County, SC | 2 | Under 10 loans | 0.0% |
| Greenville County, SC | 2 | Under 10 loans | 0.0% |
| Marlboro County, SC | 2 | Under 10 loans | 0.0% |
| Sevier County, TN | 2 | Under 10 loans | 0.0% |
| Richmond County, GA | 1 | Under 10 loans | 0.0% |
| Tulsa County, OK | 1 | Under 10 loans | 0.0% |
| Berkeley County, SC | 1 | Under 10 loans | 0.0% |
| Dillon County, SC | 1 | Under 10 loans | 0.0% |
| Oconee County, SC | 1 | Under 10 loans | 0.0% |
| Pickens County, SC | 1 | Under 10 loans | 0.0% |
| Sumter County, SC | 1 | Under 10 loans | 0.0% |
| Marion County, SC | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.