Mortgage lending in Lancaster County
3,547 mortgages were originated in Lancaster 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
- 3,547
- Median rate
- 6.500%
- Median lender fees
- $5,268
- Median loan amount
- $285,000
- Median spread over APOR
- 0.218
- Paid discount points
- 48.3%
- Received lender credits
- 27.5%
- Purchases / refinances
- 56.7% / 27.3%
- Conventional / FHA / VA
- 75.2% / 14.6% / 9.5%
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 81.7% 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 Lancaster County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 272 | $4,460 | 6.750% |
| FOUNDERS FEDERAL CREDIT UNION | 271 | $3,000 | 7.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 258 | $8,143 | 6.125% |
| MOVEMENT MORTGAGE, LLC | 224 | $6,065 | 6.562% |
| Taylor Morrison Home Funding, Inc. | 127 | $3,606 | 5.500% |
| LENNAR MORTGAGE, LLC | 120 | $5,797 | 6.000% |
| NVR Mortgage Finance, Inc. | 108 | $6,744 | 6.058% |
| Bank of America, National Association | 90 | — | 6.240% |
| KBHS HOME LOANS, LLC | 89 | $6,173 | 6.250% |
| First-Citizens Bank & Trust Company | 67 | — | 6.375% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Lancaster County — not a rule of thumb.
From 2,898 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