Mortgage lending in Oconee County
2,006 mortgages were originated in Oconee 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
- 2,006
- Median rate
- 6.625%
- Median lender fees
- $5,763
- Median loan amount
- $230,000
- Median spread over APOR
- 0.276
- Paid discount points
- 41.2%
- Received lender credits
- 21.3%
- Purchases / refinances
- 56.5% / 27.5%
- Conventional / FHA / VA
- 74.6% / 13.2% / 10.7%
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 70.9% 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 Oconee County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 165 | $4,859 | 6.875% |
| 894500CFQPXSLHK0OK52 | 146 | $6,290 | 6.750% |
| S. C. STATE FEDERAL CREDIT UNION | 113 | — | 4.500% |
| SouthState Bank, National Association | 108 | $5,086 | 6.975% |
| Oconee Federal Savings and Loan Association | 72 | — | — |
| UNITED SHORE FINANCIAL SERVICES, LLC | 71 | $8,270 | 6.249% |
| NVR Mortgage Finance, Inc. | 70 | $4,519 | 5.990% |
What lenders charged here
Lender fees on a $230,000 loan, based on what was actually charged in Oconee County — not a rule of thumb.
From 1,422 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