Mortgage lending in Sumter, SC
2,060 mortgages were originated in the Sumter, 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
- 2,060
- Median rate
- 6.375%
- Median lender fees
- $5,579
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
- $205,000
- Above the going rate (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.
Who lent here
Lenders with at least 50 loans in the Sumter, SC area, 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% |