South Coast Bank & Trust
South Coast Bank & Trust received 66 applications in 2025 and made 55 mortgages, in 10 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $185,000. Of 64 decisions, 7 were denials — 10.9%.
| Legal Entity Identifier | 254900IVR37DW5QD1I94 |
|---|---|
| Applications received | 66 |
| Mortgages made | 55 |
| Denied | 7 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: South Coast Bank & Trust, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 29 | Not published | $175,000 | 9.1% |
| Refinancing | 24 | Not published | $260,000 | 7.7% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 40.0% |
Where South Coast Bank & Trust lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Glynn County, GA | 43 | Not published | 8.2% |
| McIntosh County, GA | 4 | Under 10 loans | 0.0% |
| Wayne County, GA | 2 | Under 10 loans | 33.3% |
| St. Johns County, FL | 1 | Under 10 loans | 0.0% |
| Brantley County, GA | 1 | Under 10 loans | 0.0% |
| Bulloch County, GA | 1 | Under 10 loans | 0.0% |
| Camden County, GA | 1 | Under 10 loans | 50.0% |
| Laurens County, GA | 1 | Under 10 loans | 0.0% |
| Morgan County, GA | 1 | Under 10 loans | 0.0% |
| Pierce County, GA | 0 | Under 10 loans | 100.0% |
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When South Coast Bank & Trust’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.