Mortgage lending in Hilton Head Island-Bluffton-Port Royal, SC
8,139 mortgages were originated in the Hilton Head Island-Bluffton-Port Royal, 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
- 8,139
- Median rate
- 6.625%
- Median lender fees
- $5,874
- Median loan amount
- $345,000
- Median spread over APOR
- 0.160
- Paid discount points
- 34.3%
- Received lender credits
- 25.5%
- Purchases / refinances
- 61.9% / 22.6%
- Conventional / FHA / VA
- 77.6% / 7.9% / 14.4%
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 75.3% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Hilton Head Island-Bluffton-Port Royal, SC area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 499 | $5,019 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 385 | $8,270 | 6.374% |
| NORTHPOINT MORTGAGE, INC. | 331 | $5,705 | 6.625% |
| MOVEMENT MORTGAGE, LLC | 301 | $5,838 | 6.875% |
| TD Bank, National Association | 295 | $4,317 | 6.875% |
| SouthState Bank, National Association | 278 | $5,457 | 6.590% |
| PULTE MORTGAGE LLC | 261 | $768 | 6.000% |
| Navy Federal Credit Union | 237 | $3,071 | 7.500% |
| Gateway First Bank | 204 | $6,184 | 6.500% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 158 | $7,492 | 9.300% |