South Atlantic Bank
South Atlantic Bank received 321 applications in 2025 and made 252 mortgages, in 19 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $340,000. Of 268 decisions, 13 were denials — 4.9%.
| Legal Entity Identifier | 5493003I223S7AP6XL58 |
|---|---|
| Applications received | 321 |
| Mortgages made | 252 |
| Denied | 13 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 53 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: South Atlantic Bank, 12 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 174 | Not published | $340,000 | 2.8% |
| Refinancing | 52 | Not published | $375,000 | 5.5% |
| Cash-out refinancing | 21 | Not published | $495,000 | 12.5% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 25.0% |
Where South Atlantic Bank lends most
The 19 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 | 123 | Not published | 4.6% |
| Georgetown County, SC | 39 | Not published | 4.8% |
| Charleston County, SC | 31 | Not published | 3.0% |
| Beaufort County, SC | 29 | Not published | 6.5% |
| Brunswick County, NC | 10 | Not published | 0.0% |
| Jasper County, SC | 5 | Under 10 loans | 0.0% |
| Dorchester County, SC | 3 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 2 | Under 10 loans | 0.0% |
| Berkeley County, SC | 2 | Under 10 loans | 0.0% |
| Florence County, SC | 2 | Under 10 loans | 33.3% |
| Duval County, FL | 1 | Under 10 loans | 0.0% |
| New Hanover County, NC | 1 | Under 10 loans | 50.0% |
| Aiken County, SC | 1 | Under 10 loans | 0.0% |
| Hampton County, SC | 1 | Under 10 loans | 0.0% |
| Richland County, SC | 1 | Under 10 loans | 0.0% |
| Spartanburg County, SC | 1 | Under 10 loans | 0.0% |
| Brevard County, FL | 0 | Under 10 loans | Not published |
| Effingham County, GA | 0 | Under 10 loans | Not published |
| Macon County, NC | 0 | Under 10 loans | Not published |
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When South Atlantic Bank’s figures are published for the next year, or restated.
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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.