Mortgage lending in Columbia, SC
21,575 mortgages were originated in the Columbia, SC area in 2025, and here is what they cost.
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
- 21,575
- Median rate
- 6.500%
- Median lender fees
- $5,794
- Median loan amount
- $225,000
- Median spread over APOR
- 0.205
- Paid discount points
- 44.9%
- Received lender credits
- 24.2%
- Purchases / refinances
- 58.6% / 28%
- Conventional / FHA / VA
- 60.5% / 18.7% / 20.2%
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 80.4% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Columbia, SC area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| GUILD MORTGAGE COMPANY | 1,346 | $5,713 | 6.625% |
| Rocket Mortgage, LLC | 1,268 | $5,529 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 989 | $7,558 | 6.124% |
| First-Citizens Bank & Trust Company | 833 | $4,320 | 6.375% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 756 | $6,190 | 6.125% |
| Palmetto Citizens Federal Credit Union | 655 | $5,338 | 6.500% |
| Ameris Bank | 561 | $7,604 | 6.250% |
| First Heritage Mortgage, LLC | 526 | $9,189 | 6.375% |
| FREEDOM MORTGAGE CORPORATION | 478 | $4,746 | 6.250% |
| Mortgage Research Center, LLC | 470 | $4,112 | 6.250% |