Mortgage lending in Kershaw County
1,732 mortgages were originated in Kershaw 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
- 1,732
- Median rate
- 6.425%
- Median lender fees
- $6,085
- Median loan amount
- $225,000
- Median spread over APOR
- 0.181
- Paid discount points
- 49.5%
- Received lender credits
- 24.7%
- Purchases / refinances
- 58.1% / 29.3%
- Conventional / FHA / VA
- 48.5% / 20.2% / 29%
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 84.7% 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 Kershaw County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 126 | $6,461 | 6.375% |
| GUILD MORTGAGE COMPANY | 101 | $5,780 | 6.500% |
| DHI MORTGAGE COMPANY, LTD. | 90 | $6,245 | 5.375% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 75 | $6,965 | 5.999% |
| Mortgage Research Center, LLC | 60 | $5,236 | 6.250% |
| FREEDOM MORTGAGE CORPORATION | 55 | $4,400 | 5.875% |
| SAFE FEDERAL CREDIT UNION | 53 | $2,986 | 6.625% |
| First-Citizens Bank & Trust Company | 53 | — | 6.625% |
| First Palmetto Bank | 50 | — | 6.495% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Kershaw County — not a rule of thumb.
From 1,467 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