South Central Bank, Inc.
1,428 mortgages originated in 2025 across one state, and what they cost borrowers.
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
- 1,428
- Median rate
- 7.250%
- Median lender fees
- $3,289
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
- $155,000
- Above the going rate (spread over APOR)
- 0.195
- Paid discount points
- 6.9%
- Received lender credits
- 18.5%
- Purchases / refinances
- 42.7% / 30.2%
- Conventional / FHA / VA
- 85.6% / 9.7% / 3.5%
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 39.6% of loans here — see methodology.
Where South Central Bank, Inc. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Kentucky | 1,376 | $3,284 | 7.250% |