Applications / Mortgage Analytics / Lenders / South Carolina / Carolina Bank & Trust Company
Lamar, SC · State non-member bank · FDIC · $886 million assets · 70 loans in 2025
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70
loans originated, 2025
92
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Carolina Bank & Trust Company, a South Carolina purchase lender, made fewer loans in 2025 but much bigger ones.
Originations fell 7% to 70, while similar lenders (state non-member banks making between half and twice as many loans) grew. Yet the dollars it lent rose from $20.9 million to $27.2 million, as its typical loan climbed to $205,000. It filed no report for 2020, a gap in the record.
Jumbo loans (larger than the conforming limit) made up 11.1% of originations, against 1.7% at similar lenders, higher than about nine in ten. Purchases were 67.1%. Its share to low- and moderate-income (LMI) borrowers, 20.0%, was lower than peers' 27.3%; its larger loans are one possible reason.
Some 24.3% of its loans were in majority-minority neighborhoods, against 6.5% at similar lenders, higher than about three in four. Its share in LMI neighborhoods, 18.8%, was near the middle.
It has lent in Florence since at least 1990 and ranks 18 of 256 there. Its share fell 0.3 points to 1.4%, behind Rocket Mortgage and Movement Mortgage. The dip may simply reflect its smaller count of loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Carolina Bank & Trust Company took 92 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.1% · Other 18.6% · Refinance 10.0% · Home improvement 4.3%
Conventional 100.0% · of 70 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 | 64 | 91.4% |
| North Carolina | 2 | 2.9% |
| Tennessee | 2 | 2.9% |
| Georgia | 1 | 1.4% |
| Oklahoma | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Florence | 36 |
| Greenville-Anderson-Greer | 5 |
| Myrtle Beach-Conway-North Myrtle Beach | 5 |
| Charleston-North Charleston | 4 |
| Wilmington | 2 |
| Augusta-Richmond County | 1 |
| Sumter | 1 |
| Tulsa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300U2ACJ0QKSFKY48 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 355120 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316723 | 1990–2017 |
Established 3 March 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Carolina Bank & Trust Company's data.
Carolina Bank & Trust Company's data
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Carolina Bank & Trust Company 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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