Mortgage lending in Horry County
15,158 mortgages were originated in Horry 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
- 15,158
- Median rate
- 6.625%
- Median lender fees
- $5,486
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
- $235,000
- Above the going rate (spread over APOR)
- 0.288
- Paid discount points
- 46.7%
- Received lender credits
- 21.4%
- Purchases / refinances
- 66.6% / 22.4%
- Conventional / FHA / VA
- 76% / 13.5% / 10.1%
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 76.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $340,000
- That home, 20% down
- $272,000
A median-priced home with 20% down leaves $560,750 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 Horry County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| DHI Mortgage Company, Ltd. | 1,044 | $3,300 | 5.500% |
| Rocket Mortgage, LLC | 996 | $5,151 | 6.875% |
| Lennar Mortgage, LLC | 497 | $5,763 | 6.375% |
| United Shore Financial Services, LLC | 494 | $9,222 | 6.375% |
| Loandepot.Com, LLC | 436 | $6,424 | 6.250% |
| T2 Financial LLC | 366 | $7,580 | 6.990% |
| Pulte Mortgage LLC | 295 | $714 | 6.125% |
| Anderson Brothers Bank | 287 | — | — |
| Lower, LLC | 287 | $5,833 | 6.750% |
| The Conway National Bank | 277 | — | — |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Horry County — not a rule of thumb.
From 11,608 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