Mortgage lending in Pickens County
2,960 mortgages were originated in Pickens 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
- 2,960
- Median rate
- 6.624%
- Median lender fees
- $6,164
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
- $225,000
- Above the going rate (spread over APOR)
- 0.300
- Paid discount points
- 43.6%
- Received lender credits
- 22.6%
- Purchases / refinances
- 56.8% / 26.1%
- Conventional / FHA / VA
- 71.7% / 18.3% / 9.1%
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 74.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $335,000
- That home, 20% down
- $268,000
A median-priced home with 20% down leaves $564,750 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 Pickens County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 212 | $5,130 | 6.625% |
| United Shore Financial Services, LLC | 122 | $8,551 | 6.499% |
| SouthState Bank, National Association | 117 | $5,028 | 6.875% |
| Truist Bank | 90 | — | 6.995% |
| 894500CFQPXSLHK0OK52 | 80 | $7,012 | 6.750% |
| First-Citizens Bank & Trust Company | 74 | — | 6.400% |
| Fbc Mortgage, LLC | 71 | $7,905 | 5.375% |
| Primelending, A Plainscapital Company | 69 | $6,445 | 6.563% |
| S. C. State Federal Credit Union | 66 | — | 4.500% |
| Loandepot.Com, LLC | 64 | $8,126 | 4.990% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Pickens County — not a rule of thumb.
From 2,192 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