Mortgage lending in Sumter County
2,060 mortgages were originated in Sumter 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
- 2,060
- Median rate
- 6.375%
- Median lender fees
- $5,579
- Median loan amount
- $205,000
- Median spread over APOR
- 0.109
- Paid discount points
- 47.8%
- Received lender credits
- 24.1%
- Purchases / refinances
- 65.2% / 27.2%
- Conventional / FHA / VA
- 44.4% / 16.1% / 39.3%
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 86% 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 Sumter County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| SAFE FEDERAL CREDIT UNION | 167 | $2,535 | 6.500% |
| Mortgage Research Center, LLC | 137 | $5,145 | 6.250% |
| Rocket Mortgage, LLC | 107 | $6,118 | 6.500% |
| RESOURCE FINANCIAL SERVICES, INC. | 105 | $8,620 | 6.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 100 | $5,905 | 5.990% |
| Gateway First Bank | 99 | $7,217 | 6.125% |
| MOVEMENT MORTGAGE, LLC | 88 | $5,857 | 6.500% |
| FBC MORTGAGE, LLC | 72 | $7,235 | 5.188% |
| GUILD MORTGAGE COMPANY | 71 | $6,740 | 6.500% |
| FREEDOM MORTGAGE CORPORATION | 64 | $4,261 | 6.125% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Sumter County — not a rule of thumb.
From 1,772 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