Mortgage lending in Beaufort County
6,565 mortgages were originated in Beaufort County, South Carolina, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 6,565
- Median rate
- 6.625%
- Median lender fees
- $5,951
- Median loan amount
- $355,000
- Median spread over APOR
- 0.186
- Paid discount points
- 32.6%
- Received lender credits
- 24.9%
- Purchases / refinances
- 58.8% / 24.2%
- Conventional / FHA / VA
- 79.5% / 6.7% / 13.7%
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 73.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $638,250
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Beaufort County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 413 | $4,889 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 316 | $7,869 | 6.250% |
| NORTHPOINT MORTGAGE, INC. | 310 | $5,715 | 6.625% |
| MOVEMENT MORTGAGE, LLC | 267 | $5,871 | 6.875% |
| SouthState Bank, National Association | 256 | $5,566 | 6.590% |
| TD Bank, National Association | 242 | $4,975 | 7.020% |
| Navy Federal Credit Union | 214 | $2,978 | 7.500% |
| Gateway First Bank | 189 | $6,222 | 6.500% |
| First-Citizens Bank & Trust Company | 152 | $5,853 | 6.112% |
| Bank of America, National Association | 134 | $5,455 | 6.063% |
What lenders charged here
Lender fees on a $355,000 loan, based on what was actually charged in Beaufort County — not a rule of thumb.
From 4,824 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers