Mortgage lending in Lexington County
8,577 mortgages were originated in Lexington 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
- 8,577
- Median rate
- 6.500%
- Median lender fees
- $5,784
- Median loan amount
- $225,000
- Median spread over APOR
- 0.254
- Paid discount points
- 45%
- Received lender credits
- 24.7%
- Purchases / refinances
- 58.5% / 27%
- Conventional / FHA / VA
- 65.3% / 19.4% / 14.4%
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 80.7% 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 Lexington County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GUILD MORTGAGE COMPANY | 553 | $5,541 | 6.625% |
| Rocket Mortgage, LLC | 511 | $5,392 | 6.750% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 397 | $5,904 | 6.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 366 | $7,412 | 6.069% |
| Palmetto Citizens Federal Credit Union | 293 | $5,458 | 6.500% |
| First-Citizens Bank & Trust Company | 289 | $4,355 | 6.438% |
| CROSSCOUNTRY MORTGAGE, INC. | 255 | $7,636 | 6.575% |
| Ameris Bank | 243 | $6,925 | 6.490% |
| First Heritage Mortgage, LLC | 235 | $8,693 | 6.500% |
| S. C. STATE FEDERAL CREDIT UNION | 204 | — | 4.500% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Lexington County — not a rule of thumb.
From 6,924 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