Mortgage lending in Aiken County
4,659 mortgages were originated in Aiken County, South Carolina, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,659
- Median rate
- 6.500%
- Median lender fees
- $6,122
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $225,000
- Above the going rate (spread over APOR)
- 0.253
- Paid discount points
- 44.6%
- Received lender credits
- 24.6%
- Purchases / refinances
- 61.6% / 25.3%
- Conventional / FHA / VA
- 62.3% / 20.2% / 15.7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 80.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $315,000
- That home, 20% down
- $252,000
A median-priced home with 20% down leaves $580,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Aiken County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 420 | $5,136 | 6.625% |
| SRP Federal Credit Union | 353 | $5,023 | 6.125% |
| Guild Mortgage Company | 289 | $7,180 | 6.500% |
| DHI Mortgage Company, Ltd. | 206 | $6,168 | 5.500% |
| United Shore Financial Services, LLC | 183 | $7,845 | 6.071% |
| Security Federal Bank | 136 | $5,915 | 6.375% |
| First Heritage Mortgage, LLC | 128 | $8,653 | 5.500% |
| Movement Mortgage, LLC | 118 | $8,119 | 6.375% |
| Mortgage Research Center, LLC | 116 | $4,218 | 6.250% |
| SouthState Bank, National Association | 110 | $5,561 | 6.625% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Aiken County — not a rule of thumb.
From 3,761 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers