# CAROLINA ONE MORTGAGE, LLC

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


> **📋 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 ONE MORTGAGE, LLC is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers across 2 states, with 515 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 69% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 31% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300JA1J2RX1MKI366
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** GA, SC
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.235%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,107
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 515
- **Dollar Volume:** $186 million
- **Applications Received:** 709
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $361,699
- **Average Borrower Income:** $133,757
- **Average Property Value:** $472,223

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 63/100 | 336 | +0.212% | $2,863 | Strong 😀 |
| FHA | 67/100 | 87 | +0.618% | $3,981 | Strong 😀 |
| VA | 71/100 | 77 | -0.257% | $3,238 | Strong 😀 |
| Jumbo | 65/100 | 15 | +0.755% | $3,131 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 325 loans, Score: 64/100 (Strong)

**FHA:**
- Purchase: 85 loans, Score: 66/100 (Strong)

**VA:**
- Purchase: 73 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 66/100 | 497 | $180M | +0.240% | Strong 😀 |
| Refinance | 36/100 | 18 | $6M | +0.111% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| SC | 470 | 0.59% | 88/100 |
| GA | 45 | 0.03% | 54/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Charleston | SC | 408 | 100/100 |
| Augusta | GA-SC | 66 | 74/100 |
| Non |  | 22 | 30/100 |

## Where This Lender Ranks

CAROLINA ONE MORTGAGE, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#8** in Charleston for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/charleston/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#14** in South Carolina for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#19** in Augusta Mortgage Companies
  - [View Full Rankings](https://saferate.com/augusta/best-mortgage-lenders/mortgage-companies)
- 🏆 **#20** in Charleston Mortgage Companies
  - [View Full Rankings](https://saferate.com/charleston/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does CAROLINA ONE MORTGAGE, LLC offer?

CAROLINA ONE MORTGAGE, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CAROLINA ONE MORTGAGE, LLC offer mortgages?

CAROLINA ONE MORTGAGE, LLC offers mortgages in 2 states: GA, SC.

### How competitive are CAROLINA ONE MORTGAGE, LLC's mortgage rates?

CAROLINA ONE MORTGAGE, LLC has a pricing score of 31/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.235% above market average.

### What type of lender is CAROLINA ONE MORTGAGE, LLC?

CAROLINA ONE MORTGAGE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is CAROLINA ONE MORTGAGE, LLC's loan approval success rate?

CAROLINA ONE MORTGAGE, LLC has a pull-through score of 69/100 (Strong). 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-one-mortgage

### How to Cite

> "CAROLINA ONE MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/carolina-one-mortgage

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