Mortgage lending in Charleston County
11,606 mortgages were originated in Charleston 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
- 11,606
- Median rate
- 6.625%
- Median lender fees
- $5,733
- Median loan amount
- $365,000
- Median spread over APOR
- 0.152
- Paid discount points
- 33.8%
- Received lender credits
- 22%
- Purchases / refinances
- 52.5% / 29.5%
- Conventional / FHA / VA
- 84.7% / 8% / 7.2%
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 69.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $690,000
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 Charleston County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 682 | $4,722 | 6.750% |
| First-Citizens Bank & Trust Company | 486 | $5,606 | 6.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 460 | $8,632 | 6.371% |
| SouthState Bank, National Association | 426 | $5,467 | 6.590% |
| SOUTH CAROLINA FEDERAL CREDIT UNION | 314 | $3,915 | 8.000% |
| Bank of America, National Association | 307 | $5,124 | 5.990% |
| Fifth Third Bank, National Association | 291 | $5,273 | 6.375% |
| CMG MORTGAGE, INC. | 270 | $5,417 | 6.750% |
| Navy Federal Credit Union | 263 | $2,660 | 7.750% |
| Ameris Bank | 216 | $6,747 | 6.625% |
What lenders charged here
Lender fees on a $365,000 loan, based on what was actually charged in Charleston County — not a rule of thumb.
From 8,113 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