Mortgage lending in Dorchester County
5,504 mortgages were originated in Dorchester 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
- 5,504
- Median rate
- 6.490%
- Median lender fees
- $6,641
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
- $295,000
- Above the going rate (spread over APOR)
- 0.187
- Paid discount points
- 50.2%
- Received lender credits
- 26.2%
- Purchases / refinances
- 60.8% / 28.1%
- Conventional / FHA / VA
- 56.9% / 19.9% / 22.9%
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 83.5% 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 Dorchester County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Lennar Mortgage, LLC | 460 | $6,901 | 6.125% |
| Rocket Mortgage, LLC | 414 | $5,313 | 6.625% |
| United Shore Financial Services, LLC | 285 | $8,369 | 5.999% |
| Navy Federal Credit Union | 237 | $2,700 | 7.750% |
| Freedom Mortgage Corporation | 148 | $5,765 | 6.000% |
| Movement Mortgage, LLC | 128 | $8,584 | 6.125% |
| Mortgage Research Center, LLC | 123 | $5,927 | 6.125% |
| Carolina One Mortgage, LLC | 121 | $6,775 | 6.500% |
| South Carolina Federal Credit Union | 113 | $3,233 | 8.125% |
| CMG Mortgage, Inc. | 111 | $6,486 | 6.500% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Dorchester County — not a rule of thumb.
From 4,597 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