Applications / Mortgage Analytics / Lenders / South Carolina / Carolina Trust Federal Credit Union
Myrtle Beach, SC · Credit union · NCUA · $407 million assets · 121 loans in 2025
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121
loans originated, 2025
286
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Carolina Trust Federal Credit Union, which has lent in Myrtle Beach since 1991, makes only purchase and refinance loans, and its loan count rose 14% in 2025.
Refinances made up 58.7% of its 121 loans and purchases 41.3%. It reported no home-improvement or other-purpose loans. Having none of those smaller loans may help explain why its typical loan, $145,000, was larger than at more than three-quarters of similar lenders (credit unions making between half and twice as many loans), where it was $105,000.
Its typical rate was 6.25%, against 6.75% at similar lenders, lower than at more than four in five of them. A year earlier its own typical rate was 6.75%.
It ranks 55 of 543 lenders in Myrtle Beach-Conway-North Myrtle Beach, SC, with 0.5% of lending, the same as a year before. DHI Mortgage Company and Rocket Mortgage lead the market.
Its loans rose 14% to 121, while similar lenders grew by 8% and the whole market by 10%. The count is still about half the 239 of 2020. Low- and moderate-income (LMI) areas took 19.0% of its loans, more than at about six in ten similar lenders and up from 8.1% five years before.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Carolina Trust Federal Credit Union took 286 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 58.7% · Purchase 41.3%
Conventional 100.0% · of 121 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| South Carolina | 113 | 93.4% |
| North Carolina | 8 | 6.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Myrtle Beach-Conway-North Myrtle Beach | 103 |
| Wilmington | 6 |
| Florence | 3 |
| Charleston-North Charleston | 1 |
| Columbia | 1 |
| Greensboro-High Point | 1 |
| Sumter | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300G2G5WIECTLPX95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 325084 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512361 | 1991–2017 |
Established 1 January 1958. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Carolina Trust Federal Credit Union's data.
Carolina Trust Federal Credit Union's data
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Carolina Trust Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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