Mortgage lending in Richland County
10,401 mortgages were originated in Richland 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
- 10,401
- Median rate
- 6.490%
- Median lender fees
- $5,720
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)
- 0.138
- Paid discount points
- 44.2%
- Received lender credits
- 24%
- Purchases / refinances
- 59.2% / 28.4%
- Conventional / FHA / VA
- 58.1% / 17.7% / 24%
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 79.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $263,000
- That home, 20% down
- $210,400
A median-priced home with 20% down leaves $622,350 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 Richland County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Guild Mortgage Company | 640 | $5,713 | 6.625% |
| Rocket Mortgage, LLC | 569 | $5,366 | 6.500% |
| United Shore Financial Services, LLC | 509 | $7,749 | 6.125% |
| First-Citizens Bank & Trust Company | 453 | $4,314 | 6.372% |
| Vanderbilt Mortgage And Finance, Inc. | 321 | $7,164 | 5.990% |
| Palmetto Citizens Federal Credit Union | 310 | $4,977 | 6.500% |
| Ameris Bank | 273 | $7,636 | 6.250% |
| Freedom Mortgage Corporation | 259 | $4,318 | 6.125% |
| Navy Federal Credit Union | 256 | $2,677 | 7.438% |
| Mortgage Research Center, LLC | 255 | $3,971 | 6.250% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Richland County — not a rule of thumb.
From 8,289 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