Carolina Trust Federal Credit Union mortgage approval rate & lending review
Carolina Trust Federal Credit Union decided 413 mortgage applications and funded 319 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Carolina Trust Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Carolina Trust Federal Credit Union at a glance
Approval is 1.5 points above the 76.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 88% | 121 / 138 | 99% | $245K | 120 |
| Cash-out refinance | 72% | 161 / 223 | 100% | $75K | 161 |
| Refinance | 70% | 28 / 40 | 100% | $105K | 28 |
Carolina Trust Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| South Carolina | 77% | $75K | 395 | 303 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Carolina Trust Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Horry County, SC | Cash-out refinance | 73% | 206 | 150 |
| Horry County, SC | Mortgage lenders | 87% | 126 | 109 |
| Horry County, SC | Refinance | 74% | 38 | 28 |
The county markets where Carolina Trust Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Carolina Trust Federal Credit Union
What is Carolina Trust Federal Credit Union's mortgage approval rate?
Carolina Trust Federal Credit Union approved 77.5% of the 413 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.5 points above the 76.0% national rate for the same mix of loan types.
How often do borrowers take the loan Carolina Trust Federal Credit Union offers?
Borrowers accepted 100% of the loans Carolina Trust Federal Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Carolina Trust Federal Credit Union make?
The typical cash-out refinance loan Carolina Trust Federal Credit Union made was $75K; across all loan types its typical loan ran from $75K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Carolina Trust Federal Credit Union lend?
Carolina Trust Federal Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in South Carolina and North Carolina.
Can I apply to Carolina Trust Federal Credit Union directly?
Yes. Carolina Trust Federal Credit Union is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Carolina Trust Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Carolina Trust Federal Credit Union treats applications, then get a rate quote from the lender.