CAROLINA TRUST FEDERAL CREDIT UNION
CAROLINA TRUST FEDERAL CREDIT UNION received 180 applications in 2025 and made 121 mortgages, in 14 counties across 2 states. The median rate its borrowers got was 6.250% on a median loan of $145,000. Of 159 decisions, 37 were denials — 23.3%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300G2G5WIECTLPX95 |
|---|---|
| Applications received | 180 |
| Mortgages made | 121 |
| Denied | 37 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 21 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 50 | 6.250% | $230,000 | 13.6% |
| Refinancing | 25 | 6.250% | $105,000 | 32.4% |
| Cash-out refinancing | 46 | 6.250% | $105,000 | 27.0% |
Where CAROLINA TRUST FEDERAL CREDIT UNION lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Horry County, SC | 103 | 6.250% | 22.4% |
| Brunswick County, NC | 6 | Under 10 loans | 0.0% |
| Florence County, SC | 3 | Under 10 loans | 40.0% |
| Georgetown County, SC | 2 | Under 10 loans | 33.3% |
| Columbus County, NC | 1 | Under 10 loans | 0.0% |
| Guilford County, NC | 1 | Under 10 loans | 0.0% |
| Dorchester County, SC | 1 | Under 10 loans | 0.0% |
| Marion County, SC | 1 | Under 10 loans | 0.0% |
| Richland County, SC | 1 | Under 10 loans | 0.0% |
| Sumter County, SC | 1 | Under 10 loans | 0.0% |
| Williamsburg County, SC | 1 | Under 10 loans | 0.0% |
| Cabarrus County, NC | 0 | Under 10 loans | 100.0% |
| Beaufort County, SC | 0 | Under 10 loans | 100.0% |
| Charleston 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.