Mortgage lending in Berkeley County
8,999 mortgages were originated in Berkeley 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
- 8,999
- Median rate
- 6.250%
- Median lender fees
- $7,088
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
- $315,000
- Above the going rate (spread over APOR)
- 0.029
- Paid discount points
- 51.1%
- Received lender credits
- 26.4%
- Purchases / refinances
- 65% / 24.6%
- Conventional / FHA / VA
- 54% / 20.9% / 24.1%
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 85.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $690,000
- Median home price
- $600,000
- That home, 20% down
- $480,000
A median-priced home with 20% down leaves $352,750 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 Berkeley County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| DHI Mortgage Company, Ltd. | 564 | $9,146 | 4.500% |
| Lennar Mortgage, LLC | 519 | $8,051 | 6.000% |
| Rocket Mortgage, LLC | 464 | $5,314 | 6.625% |
| United Shore Financial Services, LLC | 456 | $8,530 | 5.999% |
| Navy Federal Credit Union | 311 | $2,311 | 7.750% |
| Velocio Mortgage L.L.C. | 246 | $7,946 | 4.990% |
| Freedom Mortgage Corporation | 235 | $5,495 | 5.990% |
| Pulte Mortgage LLC | 223 | $827 | 5.875% |
| Vanderbilt Mortgage And Finance, Inc. | 206 | $6,483 | 6.125% |
| South Carolina Federal Credit Union | 184 | $3,491 | 7.688% |
What lenders charged here
Lender fees on a $315,000 loan, based on what was actually charged in Berkeley County — not a rule of thumb.
From 7,723 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