# CAROLINA FOOTHILLS

> **Canonical URL:** https://saferate.com/lenders/carolina-foothills


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


CAROLINA FOOTHILLS is a credit union, headquartered in Spartanburg, SC, serving borrowers across 2 states, with 28 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 5% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 78% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300QBV10SC3TEU133
- **Headquarters:** Spartanburg, SC
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** NC, SC
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 95/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 22/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.101%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $733
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 28
- **Dollar Volume:** $6 million
- **Applications Received:** 97
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $203,571
- **Average Borrower Income:** $85,071
- **Average Property Value:** $280,926

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 23/100 | 28 | -0.101% | $733 | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 17/100 | 18 | $4M | -0.154% | Mediocre 😐 |
| Refinance | 21/100 | 10 | $2M | -0.037% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| SC | 27 | 0.03% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Spartanburg, SC | SC | 13 | 57/100 |
| Greenville | SC | 12 | 53/100 |

## Where This Lender Ranks

CAROLINA FOOTHILLS appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Spartanburg, SC for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/spartanburg-sc/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does CAROLINA FOOTHILLS offer?

CAROLINA FOOTHILLS offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CAROLINA FOOTHILLS offer mortgages?

CAROLINA FOOTHILLS offers mortgages in 2 states: NC, SC.

### How competitive are CAROLINA FOOTHILLS's mortgage rates?

CAROLINA FOOTHILLS has a pricing score of 95/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.101% below market average.

### What type of lender is CAROLINA FOOTHILLS?

CAROLINA FOOTHILLS is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Spartanburg, SC.

### What is CAROLINA FOOTHILLS's loan approval success rate?

CAROLINA FOOTHILLS has a pull-through score of 22/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/carolina-foothills

### How to Cite

> "CAROLINA FOOTHILLS Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/carolina-foothills

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