Mortgage lending in Charleston-North Charleston, SC
26,114 mortgages were originated in the Charleston-North Charleston, SC area in 2025, and here is what they cost.
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
- 26,114
- Median rate
- 6.500%
- Median lender fees
- $6,346
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
- $325,000
- Above the going rate (spread over APOR)
- 0.123
- Paid discount points
- 43.2%
- Received lender credits
- 24.4%
- Purchases / refinances
- 58.6% / 27.5%
- Conventional / FHA / VA
- 68.3% / 14.9% / 16.3%
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 78.2% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Charleston-North Charleston, SC area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 1,560 | $5,074 | 6.625% |
| United Shore Financial Services, LLC | 1,201 | $8,541 | 6.125% |
| Lennar Mortgage, LLC | 980 | $7,468 | 6.000% |
| Navy Federal Credit Union | 811 | $2,603 | 7.750% |
| DHI Mortgage Company, Ltd. | 804 | $9,162 | 4.500% |
| First-Citizens Bank & Trust Company | 738 | $5,042 | 6.350% |
| South Carolina Federal Credit Union | 611 | $3,753 | 8.000% |
| SouthState Bank, National Association | 610 | $5,288 | 6.750% |
| CMG Mortgage, Inc. | 522 | $5,775 | 6.625% |
| Carolina One Mortgage, LLC | 473 | $6,423 | 6.500% |