Mortgage lending in Florence County
2,332 mortgages were originated in Florence 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
- 2,332
- Median rate
- 6.625%
- Median lender fees
- $6,314
- Median loan amount
- $185,000
- Median spread over APOR
- 0.407
- Paid discount points
- 44.4%
- Received lender credits
- 22.9%
- Purchases / refinances
- 63.6% / 25.9%
- Conventional / FHA / VA
- 59.9% / 25.9% / 13.4%
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 76.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
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 Florence County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 188 | $5,677 | 6.750% |
| MOVEMENT MORTGAGE, LLC | 154 | $8,154 | 6.437% |
| First Reliance Bank | 116 | $4,438 | 6.625% |
| CROSSCOUNTRY MORTGAGE, INC. | 101 | $8,305 | 6.575% |
| Fairway Independent Mortgage Corporation | 98 | $8,104 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 92 | $9,790 | 6.125% |
| First-Citizens Bank & Trust Company | 80 | — | 6.250% |
| 21st Mortgage Corporation | 57 | — | 10.760% |
| CMG MORTGAGE, INC. | 54 | $6,828 | 7.250% |
| Mortgage Research Center, LLC | 53 | $4,204 | 6.250% |
What lenders charged here
Lender fees on a $185,000 loan, based on what was actually charged in Florence County — not a rule of thumb.
From 1,790 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