Greenwood Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Greenwood averaged
6.96%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.79% and
one month ago for the week of 2025-05-15, the
average rate was 7.06%.
Greenwood's average rate one year ago was 7.1%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.31%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Greenwood 30 Year Fixed Rate | 2025-06-18 | 6.96% |
| Greenwood 30 Year Fixed Rate Refi | 2025-06-18 | 7.31% |
| Greenwood 15 Year Fixed Rate | 2025-06-18 | 6.06% |
| Greenwood 15 Year Fixed Rate Refi | 2025-06-18 | 5.86% |
| Greenwood 30 Year FHA | 2025-06-18 | -0.06% |
| Greenwood 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Greenwood 30 Year USDA | 2025-06-18 | -0.1% |
| Greenwood 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Greenwood 30 Year VA | 2025-06-18 | 0.2% |
| Greenwood 30 Year VA Refi | 2025-06-18 | -0.2% |
Greenwood Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Greenwood, SC market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Greenwood Average Closing Costs & Other Stats
Greenwood, SC's 79 lenders originated 1,025
loans during 2024. The total origination value was $210,205,000, with an average loan value of
$205,078.
Greenwood's average closing costs are $5,348.
The top Greenwood lender as defined by loan originations is QUICKEN LOANS, LLC, with
39 loans originated. Their average total fees are
$6,455, which is $1,216
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Greenwood lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($2,804), Countybank ($4,069), First-Citizens Bank & Trust Company ($4,626), UNITED WHOLESALE MORTGAGE, LLC ($5,238) and South State Bank ($6,053).
The lowest rate Greenwood lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.74%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.48%), First-Citizens Bank & Trust Company (6.63%), ACOPIA, LLC (6.72%) and QUICKEN LOANS, LLC (6.74%).
Greenwood, SC Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $17,270,000 | $18,200,000 | 5.4% | 8.7% |
| QUICKEN LOANS, LLC | $13,355,000 | $17,135,000 | 28.3% | 8.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $14,390,000 | $15,430,000 | 7.2% | 7.3% |
| ACOPIA, LLC | $11,470,000 | $13,565,000 | 18.3% | 6.5% |
| First-Citizens Bank & Trust Company | $6,980,000 | $11,630,000 | 66.6% | 5.5% |
| Countybank | $17,635,000 | $9,875,000 | -44.0% | 4.7% |
| DHI MORTGAGE COMPANY, LTD. | $8,415,000 | $9,520,000 | 13.1% | 4.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $6,640,000 | $8,350,000 | 25.8% | 4.0% |
| South State Bank | $9,010,000 | $7,125,000 | -20.9% | 3.4% |
| Mortgage Research Center, LLC | $2,045,000 | $5,180,000 | 153.3% | 2.5% |
| PENNYMAC LOAN SERVICES, LLC | $2,055,000 | $3,170,000 | 54.3% | 1.5% |
| United Community Bank | $4,520,000 | $3,145,000 | -30.4% | 1.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,530,000 | $2,600,000 | 69.9% | 1.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,015,000 | $2,535,000 | 149.8% | 1.2% |
| FREEDOM MORTGAGE CORPORATION | $645,000 | $2,470,000 | 282.9% | 1.2% |
| Waterstone Mortgage Corporation | $1,830,000 | $2,380,000 | 30.1% | 1.1% |
| Arbor Realty Trust, Inc. | $2,140,000 | n/a | 1.0% | |
| UNION HOME MORTGAGE CORP. | $3,405,000 | $1,950,000 | -42.7% | 0.9% |
| GUARANTEED RATE, INC. | $1,115,000 | $1,940,000 | 74.0% | 0.9% |
| MOVEMENT MORTGAGE, LLC | $2,330,000 | $1,870,000 | -19.7% | 0.9% |
| S. C. STATE FEDERAL CREDIT UNION | $2,445,000 | $1,810,000 | -26.0% | 0.9% |
| First National Bank of Pennsylvania | $295,000 | $1,765,000 | 498.3% | 0.8% |
| JPMorgan Chase Bank | $755,000 | $1,675,000 | 121.9% | 0.8% |
| RESOURCE FINANCIAL SERVICES, INC. | $285,000 | $1,620,000 | 468.4% | 0.8% |
| Regions Bank | $95,000 | $1,605,000 | 1,589.5% | 0.8% |
| Wells Fargo Bank | $1,600,000 | $1,590,000 | -0.6% | 0.8% |
| GREENVILLE FEDERAL CREDIT UNION | $1,575,000 | n/a | 0.7% | |
| Bank of America | $825,000 | $1,465,000 | 77.6% | 0.7% |
| Truist | $675,000 | $1,410,000 | 108.9% | 0.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $975,000 | $1,400,000 | 43.6% | 0.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $975,000 | $1,390,000 | 42.6% | 0.7% |
| Ameris Bank | $665,000 | $1,385,000 | 108.3% | 0.7% |
| Guardian Savings Bank, A Federal Savings Bank | $1,340,000 | n/a | 0.6% | |
| FIRST INTEGRITY MORTGAGE SERVICES, INC. | $1,270,000 | n/a | 0.6% | |
| PNC Bank | $1,230,000 | n/a | 0.6% | |
| STOCKTON MORTGAGE CORPORATION | $1,205,000 | n/a | 0.6% | |
| BROKER SOLUTIONS, INC. | $85,000 | $1,000,000 | 1,076.5% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $145,000 | $935,000 | 544.8% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $1,560,000 | $910,000 | -41.7% | 0.4% |
| Morgan Stanley Private Bank | $1,005,000 | $875,000 | -12.9% | 0.4% |
| LOANDEPOT.COM, LLC | $1,235,000 | $855,000 | -30.8% | 0.4% |
| USAA Federal Savings Bank | $480,000 | $855,000 | 78.1% | 0.4% |
| MYCUMORTGAGE, LLC | $415,000 | $835,000 | 101.2% | 0.4% |
| INTERLINC MORTGAGE SERVICES, LLC | $260,000 | $805,000 | 209.6% | 0.4% |
| JET HOMELOANS, LLC | $805,000 | n/a | 0.4% | |
| Renasant Bank | $280,000 | $765,000 | 173.2% | 0.4% |
| Bank of Travelers Rest | $305,000 | $760,000 | 149.2% | 0.4% |
| HomeTrust Bank | $620,000 | $740,000 | 19.4% | 0.4% |
| Discover Bank | $340,000 | $715,000 | 110.3% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $705,000 | n/a | 0.3% | |
| NEWREZ LLC | $555,000 | $685,000 | 23.4% | 0.3% |
| Network Funding, L.P. | $135,000 | $680,000 | 403.7% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $660,000 | n/a | 0.3% | |
| CARDINAL FINANCIAL | $705,000 | $630,000 | -10.6% | 0.3% |
| United Bank | $630,000 | n/a | 0.3% | |
| Farmers Bank & Trust | $605,000 | n/a | 0.3% | |
| T2 FINANCIAL LLC | $595,000 | n/a | 0.3% | |
| GUILD MORTGAGE COMPANY | $840,000 | $575,000 | -31.5% | 0.3% |
| ON Q FINANCIAL, INC. | $1,600,000 | $570,000 | -64.4% | 0.3% |
| First Community Bank | $1,665,000 | $565,000 | -66.1% | 0.3% |
| NEW DAY FINANCIAL, LLC | $760,000 | $565,000 | -25.7% | 0.3% |
| ROYAL UNITED MORTGAGE LLC | $255,000 | $565,000 | 121.6% | 0.3% |
| The Federal Savings Bank | $565,000 | n/a | 0.3% | |
| CHURCHILL MORTGAGE CORPORATION | $3,595,000 | $560,000 | -84.4% | 0.3% |
| SWBC MORTGAGE CORPORATION | $95,000 | $550,000 | 478.9% | 0.3% |
| Equity Prime Mortgage LLC | $995,000 | $530,000 | -46.7% | 0.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $520,000 | n/a | 0.2% | |
| LIMA ONE CAPITAL, LLC | $5,005,000 | $510,000 | -89.8% | 0.2% |
| Southern First Bank | $305,000 | $480,000 | 57.4% | 0.2% |
| Magnolia Bank | $880,000 | $475,000 | -46.0% | 0.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $135,000 | $470,000 | 248.1% | 0.2% |
| Fifth Third Bank | $140,000 | $460,000 | 228.6% | 0.2% |
| AXIA FINANCIAL, LLC | $435,000 | n/a | 0.2% | |
| DIRECT MORTGAGE LOANS, LLC | $435,000 | n/a | 0.2% | |
| Arthur State Bank | $2,100,000 | $425,000 | -79.8% | 0.2% |
| Bank OZK | $425,000 | n/a | 0.2% | |
| BOKF | $385,000 | $425,000 | 10.4% | 0.2% |
| Flagstar Bank, FSB | $930,000 | $410,000 | -55.9% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $345,000 | $400,000 | 15.9% | 0.2% |
| SeaTrust Mortgage Company | $755,000 | $390,000 | -48.3% | 0.2% |
| First Reliance Bank | $265,000 | $380,000 | 43.4% | 0.2% |
| The Commercial Bank | $1,760,000 | $375,000 | -78.7% | 0.2% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $365,000 | n/a | 0.2% | |
| MEMBER FIRST MORTGAGE, LLC | $365,000 | n/a | 0.2% | |
| Parda Federal Credit Union | $620,000 | $365,000 | -41.1% | 0.2% |
| Woodruff Federal Savings and Loan Association | $365,000 | n/a | 0.2% | |
| BANKSOUTH MORTGAGE COMPANY, LLC | $355,000 | n/a | 0.2% | |
| 21ST MORTGAGE CORPORATION | $1,830,000 | $340,000 | -81.4% | 0.2% |
| Carrington Mortgage Services, LLC | $635,000 | $340,000 | -46.5% | 0.2% |
| The Park National Bank | $335,000 | n/a | 0.2% | |
| TD Bank | $1,410,000 | $325,000 | -77.0% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $1,350,000 | $315,000 | -76.7% | 0.1% |
| FOUNDERS FEDERAL CREDIT UNION | $1,115,000 | $315,000 | -71.7% | 0.1% |
| RESIDENTIAL BANCORP | $315,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $305,000 | n/a | 0.1% | |
| ALLIANT CREDIT UNION | $295,000 | n/a | 0.1% | |
| INTERCOASTAL MORTGAGE COMPANY | $295,000 | n/a | 0.1% | |
| Nations Lending Corporation | $255,000 | $285,000 | 11.8% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $470,000 | $280,000 | -40.4% | 0.1% |
| MORTGAGE INVESTORS GROUP, INC. | $275,000 | n/a | 0.1% | |
| SRP Federal Credit Union | $270,000 | n/a | 0.1% | |
| VERITAS FUNDING, LLC | $265,000 | n/a | 0.1% | |
| ADVANCIAL | $245,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $245,000 | n/a | 0.1% | |
| 1ST SIGNATURE LENDING, LLC | $195,000 | $235,000 | 20.5% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $235,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $135,000 | $225,000 | 66.7% | 0.1% |
| U.S. Bank | $335,000 | $225,000 | -32.8% | 0.1% |
| LENDSURE MORTGAGE CORP. | $205,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $215,000 | $205,000 | -4.7% | 0.1% |
| The Fidelity Bank | $205,000 | n/a | 0.1% | |
| Truliant Federal Credit Union | $435,000 | $205,000 | -52.9% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $230,000 | $200,000 | -13.0% | 0.1% |
| Gateway First Bank | $195,000 | n/a | 0.1% | |
| GUARANTEED RATE AFFINITY, LLC | $195,000 | n/a | 0.1% | |
| Capital City Home Loans, LLC | $185,000 | n/a | 0.1% | |
| United States Senate Federal Credit Union | $185,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $235,000 | $180,000 | -23.4% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $645,000 | $170,000 | -73.6% | 0.1% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $165,000 | $165,000 | 0.0% | 0.1% |
| CLEARPATH LENDING | $225,000 | $165,000 | -26.7% | 0.1% |
| AmeriHome Mortgage Company, LLC | $155,000 | n/a | 0.1% | |
| OPEN MORTGAGE, LLC | $155,000 | n/a | 0.1% | |
| Coastal Carolina National Bank | $795,000 | $145,000 | -81.8% | 0.1% |
| DELMAR FINANCIAL COMPANY | $145,000 | n/a | 0.1% | |
| Union Savings Bank | $145,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $140,000 | n/a | 0.1% | |
| CMG MORTGAGE, INC. | $165,000 | $135,000 | -18.2% | 0.1% |
| Figure Lending LLC | $60,000 | $135,000 | 125.0% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $130,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $125,000 | n/a | 0.1% | |
| CPM Federal Credit Union | $125,000 | n/a | 0.1% | |
| Integrity Home Mortgage Corp | $125,000 | n/a | 0.1% | |
| First Bank | $105,000 | n/a | 0.0% | |
| OCMBC, INC. | $115,000 | $105,000 | -8.7% | 0.0% |
| ALLSOUTH | $95,000 | n/a | 0.0% | |
| CONTOUR MORTGAGE CORPORATION | $95,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $95,000 | n/a | 0.0% | |
| S. C. TELCO | $350,000 | $95,000 | -72.9% | 0.0% |
| Family Trust Federal Credit Union | $75,000 | n/a | 0.0% | |
| LENDINGONE, LLC | $75,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $75,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $65,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $35,000 | $65,000 | 85.7% | 0.0% |
| GMFS LLC | $55,000 | n/a | 0.0% | |
| The Central Trust Bank | $55,000 | n/a | 0.0% | |
| PLANET HOME LENDING, LLC | $45,000 | n/a | 0.0% | |
| CORNING | $35,000 | n/a | 0.0% | |
| The Peoples Bank | $395,000 | $35,000 | -91.1% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $15,000 | $30,000 | 100.0% | 0.0% |
| INOVA FEDERAL CREDIT UNION | $15,000 | n/a | 0.0% |
Greenwood's top lender by overall market share is ATLANTIC BAY MORTGAGE GROUP, L.L.C., with 8.7% market share. In second place, with 8.2%, is QUICKEN LOANS, LLC, having originated $17,135,000 in loans. In third place, with 7.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $15,430,000 in loans. In fourth place, with 6.5%, is ACOPIA, LLC, having originated $13,565,000 in loans. In fifth place, with 5.5%, is First-Citizens Bank & Trust Company, having originated $11,630,000 in loans.
Greenwood, SC Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 652 | $154,220,000 | $236,534 |
| Cash Out Refi | 142 | $23,860,000 | $168,028 |
| Refi | 89 | $18,725,000 | $210,393 |
| Other | 73 | $7,995,000 | $109,521 |
| Home Improvement | 69 | $5,405,000 | $78,333 |
Greenwood's most frequently cited loan purpose was Home Purchase, with 652 originations. The 2nd most popular reason was Cash Out Refi, with 142 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 442 | $108,250,000 | $244,910 |
| 7-8% | 225 | $46,385,000 | $206,156 |
| 5-6% | 142 | $32,570,000 | $229,366 |
| Over 8% | 122 | $13,360,000 | $109,508 |
| 4-5% | 36 | $6,580,000 | $182,778 |
| <2.5% | 34 | $240,000 | $7,059 |
| 3-4% | 1 | $165,000 | $165,000 |
| 2.5-3% | 1 | $15,000 | $15,000 |
During 2024, Greenwood's most frequently originated rate bucket was 6-7%, with 442 originations.
Loan Sizing (Greenwood, SC MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 359 | $53,445,000 | $148,872 |
| $200k-400k | 328 | $88,060,000 | $268,476 |
| $100,000 or less | 237 | $12,825,000 | $54,114 |
| $400k-600k | 72 | $34,070,000 | $473,194 |
| $600k-1000k | 27 | $19,665,000 | $728,333 |
| $Over $1MM | 2 | $2,140,000 | $1,070,000 |
Greenwood's loan sizing saw the bucket of loans from $100k-200k with 359 originations, totaling $53,445,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 456 | $114,130,000 | $250,285 |
| 60-80% | 208 | $52,760,000 | $253,654 |
| 20-40% | 103 | $11,015,000 | $106,942 |
| 40-60% | 102 | $17,410,000 | $170,686 |
| Under 20% | 102 | $4,170,000 | $40,882 |
| Over 100% | 14 | $3,330,000 | $237,857 |
Greenwood's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 456 originations, totaling $114,130,000 in origination value.