Lenders › South Atlantic Bank › South Carolina
South Atlantic Bank in South Carolina
HMDA record for properties in South Carolina, calendar year 2024. National record · South Carolina overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In South Carolina, South Atlantic Bank reported 257 applications and 205 originations for 2024, $102m in all.
Its denial rate in the state was 5.0%, below the South Carolina rate of 25.2% across all lenders and compared with the lender's national rate of 5.0%.
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In South Carolina | South Carolina, all lenders | South Atlantic Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 5.0% | 25.2% | 5.0% | 24.3% |
| Median rate spread, pp | — | 0.3 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 15.5% | — | 15.6% |
| Average originated loan | $498k | $296k | $504k | $329k |
| Home purchase share | 82.0% | 62.8% | 83.1% | 57.0% |
| FHA-insured share | 0.0% | 16.5% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 12.9% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateSouth Carolina, all lenders
Loan purpose and loan type in South Carolina
By purpose
Home purchase 82% (168)Home improvement 0% (1)Refinancing 11% (22)Cash-out refinancing 4% (9)Other purpose 2% (5)
By type
Conventional 100% (205)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in South Carolina
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Horry County | 137 | 110 | $50m | 6.7% |
| Georgetown County | 50 | 44 | $23m | 0.0% |
| Charleston County | 34 | 24 | $15m | 3.8% |
| Beaufort County | 25 | 20 | $9.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did South Atlantic Bank originate in South Carolina in 2024?
205 loans totalling $102m, from 257 applications reported for properties in South Carolina.
What is South Atlantic Bank's denial rate in South Carolina?
5.0% of decided applications in South Carolina were denied, against 25.2% for all lenders in the state and 5.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which South Carolina counties does South Atlantic Bank lend in most?
By originations: Horry County (110), Georgetown County (44), Charleston County (24), Beaufort County (20).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in South Carolina. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.