Orangeburg Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Orangeburg averaged 7.29% for the week of 2025-05-22, compared to the national average of 6.86% for the same period.

The average rate for the prior week (2025-05-15) was 6.84% and one month ago for the week of 2025-04-17, the average rate was 6.86%.

Orangeburg's average rate one year ago was 7.45%.

For refis of the same type during the week of 2025-05-22, the average rate was 6.96%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-05-22 6.86%
Orangeburg 30 Year Fixed Rate 2025-05-22 7.29%
Orangeburg 30 Year Fixed Rate Refi 2025-05-22 6.96%
Orangeburg 15 Year Fixed Rate 2025-05-22 5.81%
Orangeburg 15 Year Fixed Rate Refi 2025-05-22 5.91%
Orangeburg 30 Year FHA 2025-05-22 6.07%
Orangeburg 30 Year FHA Refi 2025-05-22 6.51%
Orangeburg 30 Year USDA 2025-05-22 6.43%
Orangeburg 30 Year USDA Refi 2025-05-22 6.43%
Orangeburg 30 Year VA 2025-05-22 6.47%
Orangeburg 30 Year VA Refi 2025-05-22 6.62%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Orangeburg, SC.

Orangeburg 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 Orangeburg, 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.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
QUICKEN LOANS, LLC 25 6.80% $6,312
First-Citizens Bank & Trust Company 9 6.67% $5,056
DHI MORTGAGE COMPANY, LTD. 8 5.37% $2,662
PRIMELENDING, A PLAINSCAPITAL COMPANY 7 6.73% $5,866
GUILD MORTGAGE COMPANY 7 6.54% $5,936
MOVEMENT MORTGAGE, LLC 7 7.15% $5,608
UNITED WHOLESALE MORTGAGE, LLC 7 6.87% $6,679
RESOURCE FINANCIAL SERVICES, INC. 6 6.81% $5,221
Ameris Bank 6 6.85% $4,897
NVR Mortgage Finance, Inc. 5 6.75% $2,307
JPMorgan Chase Bank 5 6.62% $2,989
VANDERBILT MORTGAGE AND FINANCE, INC. 5 9.10% $2,410
South State Bank 5 6.92% $6,523
CROSSCOUNTRY MORTGAGE, LLC 4 7.05% $5,588
HOMESIDE FINANCIAL, LLC 4 6.31% $7,641
Bank of America 4 4.63% $773
LOANDEPOT.COM, LLC 3 6.66% $7,308
AgFirst Farm Credit Bank 3 6.71% $5,311
SAFE FEDERAL CREDIT UNION 3 6.17% $3,052
CAROLINA ONE MORTGAGE, LLC 3 6.67% $5,863
CMG MORTGAGE, INC. 3 6.50% $7,147
Dollar Bank, Federal Savings Bank 3 6.83% $6,668
TD Bank 3 7.29% $4,877
Truist 3 7.12% $6,367
21ST MORTGAGE CORPORATION 2 9.23% $7,257
Assurance Financial Group, L.L.C. 2 6.68% $4,711
BROKER SOLUTIONS, INC. 2 6.06% $7,974
Coastal Carolina National Bank 2 7.38% $3,609
DIRECT MORTGAGE LOANS, LLC 2 6.56% $4,363
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.68% $6,617
First National Bank of America 2 9.56% $11,101
First Palmetto Bank 2 7.25% $5,154
First Reliance Bank 2 6.69% $3,439
GUARANTEED RATE, INC. 2 6.99% $3,736
INTERCOASTAL MORTGAGE COMPANY 2 7.25% $2,136
Mortgage Research Center, LLC 2 6.49% $9,745
MUTUAL OF OMAHA MORTGAGE, INC. 2 7.25% $4,912
Palmetto Citizens Federal Credit Union 2 6.13% $3,585
Pinnacle Bank 2 7.44% $4,027
Renasant Bank 2 7.31% $4,599
REV FEDERAL CREDIT UNION 2 6.75% $5,376
TOWNE MORTGAGE COMPANY 2 6.44% $5,323
Wells Fargo Bank 2 6.69% $5,595
First Bank 1 6.49% $3,702
EMBRACE HOME LOANS, INC. 1 7.99% $4,441
ABERDEEN PROVING GROUND FEDERAL CREDIT UNION 1 6.63% $3,423
INTERLINC MORTGAGE SERVICES, LLC 1 7.13% $2,120
CARDINAL FINANCIAL 1 6.99% $3,345
Boeing Employees Credit Union 1 6.63% $2,455
AMERICAN FINANCIAL NETWORK, INC. 1 7.88% $6,963
BETTER MORTGAGE CORPORATION 1 6.88% $4,652
UBS Bank USA 1 7.13% $3,692
NAVY FEDERAL CREDIT UNION 1 6.63% $4,607
NEWREZ LLC 1 6.63% $4,871
BAYER HERITAGE 1 6.63% $5,750
OCMBC, INC. 1 8.13% $10,779
UNION HOME MORTGAGE CORP. 1 6.88% $5,215
PENNYMAC LOAN SERVICES, LLC 1 6.62% $10,582
PHH Mortgage Corporation 1 7.00% $10,918
Union Savings Bank 1 7.50% $13,794
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 6.50% $6,330
Princeton Mortgage Corporation 1 7.50% $3,729
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.63% $1,566
Regions Bank 1 6.13% $4,057
RELIANCE FIRST CAPITAL, LLC 1 7.63% $6,094
United Bank 1 6.99% $5,641
Anderson Brothers Bank 1 8.00% $19,094
Alcova Mortgage LLC 1 6.50% $3,682
ROYAL UNITED MORTGAGE LLC 1 7.63% $6,820
AMERISAVE MORTGAGE CORPORATION 1 6.99% $17,467
ServisFirst Bank 1 7.13% $6,262
SOUTH CAROLINA FEDERAL CREDIT UNION 1 4.56% $3,354
AMERICAN FINANCING CORPORATION 1 6.88% $5,346
Synovus Bank 1 7.38% $6,992
First Community Bank 1 6.38% $4,413
FIRST COMMUNITY MORTGAGE, INC. 1 6.38% $2,621
First Federal Bank 1 6.88% $4,661
First Merchants Bank 1 6.50% $3,941
T2 FINANCIAL LLC 1 7.63% $7,392
First National Bank of Pennsylvania 1 6.50% $3,222
AMERICAN FINANCIAL RESOURCES, INC. 1 7.63% $6,554
The Loan Store, Inc. 1 6.50% $2,621
FOUNDERS FEDERAL CREDIT UNION 1 6.25% $4,135
Gateway First Bank 1 7.00% $4,272
GENEVA FINANCIAL, LLC 1 6.63% $11,552
GUARANTEED RATE AFFINITY, LLC 1 7.43% $3,508
TOTAL MORTGAGE SERVICES, LLC 1 6.99% $4,840

Orangeburg Average Closing Costs & Other Stats

Orangeburg, SC's 87 lenders originated 1,121 loans during 2024. The total origination value was $219,475,000, with an average loan value of $195,785.

Orangeburg's average closing costs are $5,589.

The top Orangeburg lender as defined by loan originations is QUICKEN LOANS, LLC, with 25 loans originated. Their average total fees are $6,312, which is $1,256 higher than the next largest lender, First-Citizens Bank & Trust Company.

The lowest fee Orangeburg lenders (with over 10 loans originated) are QUICKEN LOANS, LLC ($6,312), .

The lowest rate Orangeburg lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.80%), .

Orangeburg, 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
DHI MORTGAGE COMPANY, LTD. $5,365,000 $20,375,000 279.8% 9.3%
QUICKEN LOANS, LLC $7,705,000 $13,415,000 74.1% 6.1%
UNITED WHOLESALE MORTGAGE, LLC $4,100,000 $8,235,000 100.9% 3.8%
Mortgage Research Center, LLC $6,270,000 $7,065,000 12.7% 3.2%
First-Citizens Bank & Trust Company $4,430,000 $7,015,000 58.4% 3.2%
South State Bank $6,985,000 $6,605,000 -5.4% 3.0%
Ameris Bank $4,010,000 $6,380,000 59.1% 2.9%
21ST MORTGAGE CORPORATION $5,145,000 $6,095,000 18.5% 2.8%
GUILD MORTGAGE COMPANY $5,235,000 $5,235,000 0.0% 2.4%
VANDERBILT MORTGAGE AND FINANCE, INC. $4,055,000 $5,145,000 26.9% 2.3%
NATION ONE MORTGAGE CORPORATION $815,000 $4,035,000 395.1% 1.8%
BROKER SOLUTIONS, INC. $920,000 $3,890,000 322.8% 1.8%
RESOURCE FINANCIAL SERVICES, INC. $615,000 $3,625,000 489.4% 1.7%
PRIMELENDING, A PLAINSCAPITAL COMPANY $4,675,000 $3,610,000 -22.8% 1.6%
REV FEDERAL CREDIT UNION $225,000 $3,540,000 1,473.3% 1.6%
NVR Mortgage Finance, Inc. $3,365,000 n/a 1.5%
CROSSCOUNTRY MORTGAGE, LLC $3,215,000 $3,285,000 2.2% 1.5%
HOMESIDE FINANCIAL, LLC $155,000 $3,010,000 1,841.9% 1.4%
MOVEMENT MORTGAGE, LLC $1,285,000 $2,915,000 126.8% 1.3%
S. C. STATE FEDERAL CREDIT UNION $2,525,000 $2,555,000 1.2% 1.2%
NAVY FEDERAL CREDIT UNION $3,785,000 $2,545,000 -32.8% 1.2%
First Bank $1,880,000 $2,530,000 34.6% 1.2%
Coastal Carolina National Bank $725,000 $2,405,000 231.7% 1.1%
CPM Federal Credit Union $1,085,000 $2,275,000 109.7% 1.0%
FREEDOM MORTGAGE CORPORATION $115,000 $2,105,000 1,730.4% 1.0%
Truist $1,505,000 $2,020,000 34.2% 0.9%
1ST SIGNATURE LENDING, LLC $330,000 $1,960,000 493.9% 0.9%
Bank of America $645,000 $1,950,000 202.3% 0.9%
AgFirst Farm Credit Bank $1,360,000 $1,870,000 37.5% 0.9%
CAROLINA ONE MORTGAGE, LLC $2,295,000 $1,860,000 -19.0% 0.8%
LENDINGHOME FUNDING CORPORATION $420,000 $1,810,000 331.0% 0.8%
CMG MORTGAGE, INC. $2,405,000 $1,805,000 -24.9% 0.8%
TRIAD FINANCIAL SERVICES, INC. $1,325,000 $1,705,000 28.7% 0.8%
CALCON MUTUAL MORTGAGE LLC $105,000 $1,610,000 1,433.3% 0.7%
NEW DAY FINANCIAL, LLC $420,000 $1,570,000 273.8% 0.7%
AMERICAN FINANCIAL RESOURCES, INC. $1,240,000 $1,530,000 23.4% 0.7%
Pinnacle Bank $225,000 $1,525,000 577.8% 0.7%
First Palmetto Bank $1,495,000 $1,455,000 -2.7% 0.7%
DOMINION FINANCIAL SERVICES, LLC $105,000 $1,435,000 1,266.7% 0.7%
PENNYMAC LOAN SERVICES, LLC $1,225,000 $1,335,000 9.0% 0.6%
Renasant Bank $390,000 $1,235,000 216.7% 0.6%
LOANDEPOT.COM, LLC $890,000 $1,225,000 37.6% 0.6%
TOWNE MORTGAGE COMPANY $785,000 $1,180,000 50.3% 0.5%
SOUTHWEST STAGE FUNDING, LLC $795,000 $1,090,000 37.1% 0.5%
The Bank of South Carolina $1,005,000 $1,085,000 8.0% 0.5%
AMERICAN FINANCIAL NETWORK, INC. $555,000 $1,075,000 93.7% 0.5%
JPMorgan Chase Bank $690,000 $1,025,000 48.6% 0.5%
VILLAGE CAPITAL MORTGAGE $500,000 $990,000 98.0% 0.5%
MORTGAGE SOLUTIONS OF COLORADO, LLC $240,000 $960,000 300.0% 0.4%
SOUTHPOINT FINANCIAL SERVICES, INC. $765,000 $930,000 21.6% 0.4%
DIRECT MORTGAGE LOANS, LLC $920,000 n/a 0.4%
First National Bank of South Carolina $900,000 n/a 0.4%
AMERISAVE MORTGAGE CORPORATION $660,000 $890,000 34.8% 0.4%
SAFE FEDERAL CREDIT UNION $990,000 $830,000 -16.2% 0.4%
USAA Federal Savings Bank $605,000 $795,000 31.4% 0.4%
First Community Bank $580,000 $785,000 35.3% 0.4%
Lakeview Community Capital, LLC $85,000 $775,000 811.8% 0.4%
Dollar Bank, Federal Savings Bank $755,000 n/a 0.3%
Union Savings Bank $735,000 n/a 0.3%
Equity Prime Mortgage LLC $265,000 $705,000 166.0% 0.3%
FARMERS & MERCHANTS BANK OF SOUTH CAROLINA $1,455,000 $705,000 -51.5% 0.3%
INTERCOASTAL MORTGAGE COMPANY $65,000 $700,000 976.9% 0.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,365,000 $690,000 -49.5% 0.3%
GUARANTEED RATE, INC. $540,000 $685,000 26.9% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $190,000 $685,000 260.5% 0.3%
Plains Commerce Bank $135,000 $685,000 407.4% 0.3%
INTERLINC MORTGAGE SERVICES, LLC $900,000 $665,000 -26.1% 0.3%
Assurance Financial Group, L.L.C. $410,000 $645,000 57.3% 0.3%
UNION HOME MORTGAGE CORP. $145,000 $635,000 337.9% 0.3%
Carrington Mortgage Services, LLC $670,000 $630,000 -6.0% 0.3%
Arthur State Bank $155,000 $620,000 300.0% 0.3%
Wells Fargo Bank $1,400,000 $620,000 -55.7% 0.3%
FOUNDERS FEDERAL CREDIT UNION $605,000 n/a 0.3%
CARDINAL FINANCIAL $1,260,000 $580,000 -54.0% 0.3%
First National Bank of America $575,000 n/a 0.3%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $340,000 $565,000 66.2% 0.3%
TD Bank $555,000 n/a 0.3%
Gateway First Bank $25,000 $550,000 2,100.0% 0.3%
ROYAL UNITED MORTGAGE LLC $75,000 $540,000 620.0% 0.2%
Bank of the Lowcountry $515,000 n/a 0.2%
Mr. Cooper ( Nationstar Mortgage ) $1,155,000 $515,000 -55.4% 0.2%
GERSHMAN INVESTMENT CORP. $510,000 n/a 0.2%
OCMBC, INC. $500,000 n/a 0.2%
Anderson Brothers Bank $495,000 n/a 0.2%
BETTER MORTGAGE CORPORATION $335,000 $475,000 41.8% 0.2%
Palmetto Citizens Federal Credit Union $155,000 $450,000 190.3% 0.2%
ZILLOW HOME LOANS, LLC $450,000 n/a 0.2%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $445,000 n/a 0.2%
Mortgage Lenders Investment Trading Corporation $445,000 n/a 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $960,000 $425,000 -55.7% 0.2%
SOUTH CAROLINA FEDERAL CREDIT UNION $940,000 $425,000 -54.8% 0.2%
AmeriHome Mortgage Company, LLC $420,000 n/a 0.2%
LAKEVIEW LOAN SERVICING, LLC $185,000 $405,000 118.9% 0.2%
PHH Mortgage Corporation $400,000 n/a 0.2%
GENEVA FINANCIAL, LLC $325,000 $385,000 18.5% 0.2%
AMERICAN FINANCING CORPORATION $380,000 n/a 0.2%
Enterprise Bank of South Carolina $810,000 $365,000 -54.9% 0.2%
LIMA ONE CAPITAL, LLC $1,500,000 $365,000 -75.7% 0.2%
The Huntington National Bank $365,000 n/a 0.2%
Atlantic Coast Mortgage, LLC $500,000 $355,000 -29.0% 0.2%
NBKC BANK $355,000 n/a 0.2%
BECKAM FUNDING CORP. $345,000 n/a 0.2%
First Reliance Bank $850,000 $340,000 -60.0% 0.2%
PLANET HOME LENDING, LLC $330,000 n/a 0.2%
BAYER HERITAGE $325,000 n/a 0.1%
CONTOUR MORTGAGE CORPORATION $325,000 n/a 0.1%
ServisFirst Bank $325,000 n/a 0.1%
CSL Financial, LLC $295,000 $320,000 8.5% 0.1%
The Federal Savings Bank $500,000 $315,000 -37.0% 0.1%
Alcova Mortgage LLC $245,000 $305,000 24.5% 0.1%
EMBRACE HOME LOANS, INC. $305,000 n/a 0.1%
Regions Bank $75,000 $305,000 306.7% 0.1%
GUARANTEED RATE AFFINITY, LLC $190,000 $300,000 57.9% 0.1%
FINANCE OF AMERICA REVERSE LLC $295,000 n/a 0.1%
LOANPAL, LLC $390,000 $295,000 -24.4% 0.1%
T2 FINANCIAL LLC $295,000 n/a 0.1%
ALLIANT CREDIT UNION $285,000 n/a 0.1%
First Merchants Bank $285,000 n/a 0.1%
SENTE MORTGAGE, INC. $275,000 n/a 0.1%
Figure Lending LLC $270,000 n/a 0.1%
NEWREZ LLC $1,045,000 $265,000 -74.6% 0.1%
Synovus Bank $910,000 $265,000 -70.9% 0.1%
The Loan Store, Inc. $165,000 $265,000 60.6% 0.1%
Princeton Mortgage Corporation $890,000 $260,000 -70.8% 0.1%
ArborOne, ACA $255,000 n/a 0.1%
CHARLOTTE METRO FEDERAL CREDIT UNION $65,000 $255,000 292.3% 0.1%
A&D Mortgage LLC $250,000 n/a 0.1%
Flagstar Bank, FSB $145,000 $245,000 69.0% 0.1%
TruHome Solutions, LLC $245,000 n/a 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $510,000 $235,000 -53.9% 0.1%
GSF Mortgage Corporation $235,000 n/a 0.1%
TJC Mortgage, Inc. $235,000 n/a 0.1%
S1L, Inc. $230,000 n/a 0.1%
AFFORDABLE MORTGAGE ADVISORS, LLC. $225,000 n/a 0.1%
DELMAR FINANCIAL COMPANY $500,000 $225,000 -55.0% 0.1%
TEMPLE VIEW CAPITAL FUNDING, LP $340,000 $225,000 -33.8% 0.1%
United Community Bank $895,000 $225,000 -74.9% 0.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $210,000 n/a 0.1%
Magnolia Bank $145,000 $205,000 41.4% 0.1%
Performance Financial, Inc. $205,000 n/a 0.1%
UBS Bank USA $205,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $560,000 $185,000 -67.0% 0.1%
VERITAS FUNDING, LLC $225,000 $175,000 -22.2% 0.1%
First National Bank of Pennsylvania $165,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $405,000 $165,000 -59.3% 0.1%
LENDINGONE, LLC $165,000 n/a 0.1%
MILEND, INC. $115,000 $165,000 43.5% 0.1%
United Bank $225,000 $165,000 -26.7% 0.1%
OPEN MORTGAGE, LLC $155,000 n/a 0.1%
ALLSOUTH $75,000 $150,000 100.0% 0.1%
COUNTRYPLACE MORTGAGE, LTD. $240,000 $150,000 -37.5% 0.1%
LEADERONE FINANCIAL CORPORATION $155,000 $145,000 -6.5% 0.1%
MID AMERICA MORTGAGE, INC. $140,000 n/a 0.1%
Prosperity Home Mortgage, LLC $425,000 $125,000 -70.6% 0.1%
First Federal Bank $115,000 n/a 0.1%
Logan Finance Corporation $115,000 n/a 0.1%
TOTAL MORTGAGE SERVICES, LLC $115,000 n/a 0.1%
Citizens Bank $105,000 n/a 0.0%
BANK OF CLARENDON $425,000 $100,000 -76.5% 0.0%
Waterstone Mortgage Corporation $100,000 n/a 0.0%
CONSTRUCTIVE LOANS, LLC $95,000 n/a 0.0%
ABERDEEN PROVING GROUND FEDERAL CREDIT UNION $75,000 n/a 0.0%
ATLANTA POSTAL $75,000 n/a 0.0%
FIRST COMMUNITY MORTGAGE, INC. $530,000 $75,000 -85.8% 0.0%
SHARONVIEW FEDERAL CREDIT UNION $75,000 n/a 0.0%
Boeing Employees Credit Union $65,000 n/a 0.0%
Discover Bank $170,000 $55,000 -67.6% 0.0%
BancorpSouth $35,000 n/a 0.0%

Orangeburg's top lender by overall market share is DHI MORTGAGE COMPANY, LTD., with 9.3% market share. In second place, with 6.1%, is QUICKEN LOANS, LLC, having originated $13,415,000 in loans. In third place, with 3.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $8,235,000 in loans. In fourth place, with 3.2%, is Mortgage Research Center, LLC, having originated $7,065,000 in loans. In fifth place, with 3.2%, is First-Citizens Bank & Trust Company, having originated $7,015,000 in loans.


Orangeburg Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Orangeburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $131,900 (-5.7%) $174,128 (1.6%) 0.00 341
2018-02-01 $135,575 (-0.5%) $181,484 (6.6%) 0.00 345
2018-03-01 $139,250 (4.1%) $184,764 (8.8%) 0.00 349
2018-04-01 $138,625 (2.8%) $186,375 (8.4%) 0.00 366
2018-05-01 $139,575 (0.8%) $189,532 (6.7%) 0.00 360
2018-06-01 $139,900 (1.6%) $190,540 (6.4%) 0.00 362
2018-07-01 $139,900 (0.0%) $188,679 (6.2%) 0.00 379
2018-08-01 $147,718 (10.5%) $192,120 (14.2%) 0.00 387
2018-09-01 $148,995 (11.2%) $192,559 (13.2%) 0.00 393
2018-10-01 $146,450 (12.4%) $189,314 (13.9%) 0.00 389
2018-11-01 $145,225 (11.3%) $194,601 (15.4%) 0.00 387
2018-12-01 $142,500 (8.8%) $190,409 (13.3%) 0.00 374
2019-01-01 $146,173 (10.8%) $194,834 (11.9%) 0.00 346
2019-02-01 $149,700 (10.4%) $198,464 (9.4%) 0.00 344
2019-03-01 $157,000 (12.8%) $203,617 (10.2%) 0.00 358
2019-04-01 $163,750 (18.1%) $208,001 (11.6%) 0.00 369
2019-05-01 $159,800 (14.5%) $207,088 (9.3%) 0.00 375
2019-06-01 $159,900 (14.3%) $203,933 (7.0%) 0.00 365
2019-07-01 $160,950 (15.1%) $206,626 (9.5%) 0.00 358
2019-08-01 $167,509 (13.4%) $211,043 (9.9%) 0.00 339
2019-09-01 $168,348 (13.0%) $212,428 (10.3%) 0.00 319
2019-10-01 $169,350 (15.6%) $214,616 (13.4%) 0.00 304
2019-11-01 $196,500 (35.3%) $235,877 (21.2%) 0.00 228
2019-12-01 $177,475 (24.5%) $233,145 (22.4%) 0.00 230
2020-01-01 $169,900 (16.2%) $229,161 (17.6%) 0.00 213
2020-02-01 $159,900 (6.8%) $217,760 (9.7%) 0.00 205
2020-03-01 $152,000 (-3.2%) $208,753 (2.5%) 0.00 202
2020-04-01 $152,000 (-7.2%) $212,067 (2.0%) 0.00 193
2020-05-01 $177,000 (10.8%) $237,178 (14.5%) 0.00 177
2020-06-01 $167,125 (4.5%) $252,478 (23.8%) 0.00 159
2020-07-01 $199,000 (23.6%) $273,742 (32.5%) 0.00 151
2020-08-01 $199,900 (19.3%) $274,751 (30.2%) 0.00 144
2020-09-01 $199,900 (18.7%) $259,905 (22.4%) 0.00 139
2020-10-01 $194,500 (14.9%) $264,317 (23.2%) 0.00 129
2020-11-01 $161,725 (-17.7%) $232,768 (-1.3%) 0.00 154
2020-12-01 $170,425 (-4.0%) $240,201 (3.0%) 0.00 129
2021-01-01 $175,000 (3.0%) $228,913 (-0.1%) 0.00 112
2021-02-01 $159,900 (0.0%) $226,961 (4.2%) 0.00 114
2021-03-01 $161,125 (6.0%) $235,545 (12.8%) 0.00 99
2021-04-01 $180,000 (18.4%) $271,915 (28.2%) 0.00 96
2021-05-01 $175,000 (-1.1%) $317,748 (34.0%) 0.00 80
2021-06-01 $175,850 (5.2%) $295,290 (17.0%) 0.00 84
2021-07-01 $222,000 (11.6%) $308,977 (12.9%) 0.00 89
2021-08-01 $172,450 (-13.7%) $299,165 (8.9%) 0.00 91
2021-09-01 $176,225 (-11.8%) $295,410 (13.7%) 0.00 100
2021-10-01 $225,000 (15.7%) $309,220 (17.0%) 0.00 112
2021-11-01 $239,900 (48.3%) $311,951 (34.0%) 0.00 107
2021-12-01 $238,825 (40.1%) $301,358 (25.5%) 0.00 108
2022-01-01 $231,250 (32.1%) $279,142 (21.9%) 0.00 102
2022-02-01 $232,500 (45.4%) $271,860 (19.8%) 0.00 92
2022-03-01 $235,500 (46.2%) $270,961 (15.0%) 0.00 76
2022-04-01 $238,000 (32.2%) $258,910 (-4.8%) 0.00 80
2022-05-01 $269,950 (54.3%) $279,447 (-12.1%) 0.00 88
2022-06-01 $310,000 (76.3%) $306,578 (3.8%) 0.00 99
2022-07-01 $326,900 (47.3%) $308,209 (-0.3%) 0.00 129
2022-08-01 $318,473 (84.7%) $308,917 (3.3%) 0.00 121
2022-09-01 $325,900 (84.9%) $324,594 (9.9%) 0.00 121
2022-10-01 $310,900 (38.2%) $329,342 (6.5%) 0.00 132
2022-11-01 $303,598 (26.6%) $337,299 (8.1%) 0.00 118
2022-12-01 $293,950 (23.1%) $321,360 (6.6%) 0.00 128
2023-01-01 $298,175 (28.9%) $323,726 (16.0%) 0.00 128
2023-02-01 $269,750 (16.0%) $297,968 (9.6%) 0.00 133
2023-03-01 $272,475 (15.7%) $290,854 (7.3%) 0.00 145
2023-04-01 $275,000 (15.6%) $271,316 (4.8%) 0.00 147
2023-05-01 $249,000 (-7.8%) $256,734 (-8.1%) 0.00 168
2023-06-01 $254,450 (-17.9%) $266,414 (-13.1%) 0.00 146
2023-07-01 $274,900 (-15.9%) $283,509 (-8.0%) 0.00 139
2023-08-01 $267,198 (-16.1%) $288,989 (-6.5%) 0.00 145
2023-09-01 $250,000 (-23.3%) $271,642 (-16.3%) 0.00 145
2023-10-01 $259,925 (-16.4%) $293,088 (-11.0%) 0.00 140
2023-11-01 $263,450 (-13.2%) $289,401 (-14.2%) 0.00 158
2023-12-01 $279,900 (-4.8%) $300,727 (-6.4%) 0.00 177
2024-01-01 $268,200 (-10.1%) $299,837 (-7.4%) 0.00 170
2024-02-01 $261,250 (-3.2%) $302,424 (1.5%) 0.00 182
2024-03-01 $274,950 (0.9%) $325,677 (12.0%) 0.00 200
2024-04-01 $273,675 (-0.5%) $309,002 (13.9%) 0.00 187
2024-05-01 $268,250 (7.7%) $303,592 (18.3%) 0.00 181
2024-06-01 $269,450 (5.9%) $315,979 (18.6%) 0.00 185
2024-07-01 $265,448 (-3.4%) $296,965 (4.8%) 0.00 206
2024-08-01 $268,250 (0.4%) $313,739 (8.6%) 0.00 200
2024-09-01 $262,948 (5.2%) $310,513 (14.3%) 0.00 198
2024-10-01 $260,895 (0.4%) $317,982 (8.5%) 0.00 198
2024-11-01 $269,900 (2.5%) $329,793 (14.0%) 0.00 190
2024-12-01 $274,950 (-1.8%) $330,272 (9.8%) 0.00 205
2025-01-01 $268,171 (0.0%) $323,725 (8.0%) 0.00 208
2025-02-01 $267,896 (2.5%) $317,480 (5.0%) 0.00 228
2025-03-01 $279,000 (1.5%) $327,198 (0.5%) 0.00 243
2025-04-01 $279,875 (2.3%) $327,783 (6.1%) 0.00 259
Orangeburg's median listing price for 2025-04-01 was $279,875, a difference of $6,200 (2.3%) versus the prior year and $875 versus the prior month.

Orangeburg's median listing price comes in at 0% of the national average.

Orangeburg's average listing price for 2025-04-01 was $327,783, a difference of $18,781 (6.1%) versus the prior year and $585 versus the prior month.

For the 2025-04-01 period, Orangeburg had 259 MLS listings, a difference of 16 listings (7%) versus the prior month and 72 listings (39%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Orangeburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,805 sqft
2018-02-01 0 days 1,839 sqft
2018-03-01 0 days 1,830 sqft
2018-04-01 0 days 1,852 sqft
2018-05-01 0 days 1,865 sqft
2018-06-01 0 days 1,920 sqft
2018-07-01 0 days 1,814 sqft
2018-08-01 0 days 1,808 sqft
2018-09-01 0 days 1,800 sqft
2018-10-01 0 days 1,783 sqft
2018-11-01 0 days 1,769 sqft
2018-12-01 0 days 1,740 sqft
2019-01-01 0 days 1,732 sqft
2019-02-01 0 days 1,805 sqft
2019-03-01 0 days 1,812 sqft
2019-04-01 0 days 1,808 sqft
2019-05-01 0 days 1,793 sqft
2019-06-01 0 days 1,781 sqft
2019-07-01 0 days 1,824 sqft
2019-08-01 0 days 1,827 sqft
2019-09-01 0 days 1,840 sqft
2019-10-01 0 days 1,851 sqft
2019-11-01 0 days 1,960 sqft
2019-12-01 0 days 1,955 sqft
2020-01-01 0 days 1,859 sqft
2020-02-01 0 days 1,853 sqft
2020-03-01 0 days 1,853 sqft
2020-04-01 0 days 1,868 sqft
2020-05-01 0 days 1,900 sqft
2020-06-01 0 days 1,912 sqft
2020-07-01 0 days 2,012 sqft
2020-08-01 0 days 2,150 sqft
2020-09-01 0 days 2,098 sqft
2020-10-01 0 days 2,095 sqft
2020-11-01 0 days 1,994 sqft
2020-12-01 0 days 1,901 sqft
2021-01-01 0 days 1,850 sqft
2021-02-01 0 days 1,810 sqft
2021-03-01 0 days 1,807 sqft
2021-04-01 0 days 1,862 sqft
2021-05-01 0 days 2,002 sqft
2021-06-01 0 days 1,923 sqft
2021-07-01 0 days 1,887 sqft
2021-08-01 0 days 1,742 sqft
2021-09-01 0 days 1,764 sqft
2021-10-01 0 days 1,905 sqft
2021-11-01 0 days 1,959 sqft
2021-12-01 0 days 1,920 sqft
2022-01-01 0 days 1,963 sqft
2022-02-01 0 days 2,010 sqft
2022-03-01 0 days 1,928 sqft
2022-04-01 0 days 1,912 sqft
2022-05-01 0 days 2,080 sqft
2022-06-01 0 days 2,179 sqft
2022-07-01 0 days 2,150 sqft
2022-08-01 0 days 2,149 sqft
2022-09-01 0 days 2,117 sqft
2022-10-01 0 days 2,100 sqft
2022-11-01 0 days 2,120 sqft
2022-12-01 0 days 2,064 sqft
2023-01-01 0 days 2,007 sqft
2023-02-01 0 days 1,934 sqft
2023-03-01 0 days 1,952 sqft
2023-04-01 0 days 1,933 sqft
2023-05-01 0 days 1,906 sqft
2023-06-01 0 days 1,929 sqft
2023-07-01 0 days 2,000 sqft
2023-08-01 0 days 1,997 sqft
2023-09-01 0 days 1,908 sqft
2023-10-01 0 days 1,924 sqft
2023-11-01 0 days 1,770 sqft
2023-12-01 0 days 1,774 sqft
2024-01-01 0 days 1,774 sqft
2024-02-01 0 days 1,774 sqft
2024-03-01 0 days 1,774 sqft
2024-04-01 0 days 1,774 sqft
2024-05-01 0 days 1,720 sqft
2024-06-01 0 days 1,740 sqft
2024-07-01 0 days 1,774 sqft
2024-08-01 0 days 1,774 sqft
2024-09-01 0 days 1,754 sqft
2024-10-01 0 days 1,765 sqft
2024-11-01 0 days 1,770 sqft
2024-12-01 0 days 1,708 sqft
2025-01-01 0 days 1,700 sqft
2025-02-01 0 days 1,673 sqft
2025-03-01 0 days 1,715 sqft
2025-04-01 0 days 1,779 sqft
Orangeburg's median listing age (time on market) for 2025-04-01 was 0 days.

Orangeburg's median square footage for active listings during the 2025-04-01 period was 1,779 sqft. One year prior, the average listing was 1,774 sqft.

Orangeburg, SC Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 720 $154,260,000 $214,250
Cash Out Refi 147 $28,135,000 $191,395
Refi 115 $23,335,000 $202,913
Home Improvement 77 $8,465,000 $109,935
Other 62 $5,280,000 $85,161

Orangeburg's most frequently cited loan purpose was Home Purchase, with 720 originations. The 2nd most popular reason was Cash Out Refi, with 147 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 373 $84,185,000 $225,697
Over 8% 239 $30,815,000 $128,933
7-8% 191 $40,365,000 $211,335
5-6% 154 $33,520,000 $217,662
4-5% 84 $17,180,000 $204,524
<2.5% 26 $530,000 $20,385
3-4% 26 $6,950,000 $267,308

During 2024, Orangeburg's most frequently originated rate bucket was 6-7%, with 373 originations.

Loan Sizing (Orangeburg, SC MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 413 $110,785,000 $268,245
$100k-200k 402 $59,250,000 $147,388
$100,000 or less 256 $15,080,000 $58,906
$400k-600k 35 $17,045,000 $487,000
$Over $1MM 8 $12,350,000 $1,543,750
$600k-1000k 7 $4,965,000 $709,286

Orangeburg's loan sizing saw the bucket of loans from $200k-400k with 413 originations, totaling $110,785,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 562 $128,040,000 $227,829
60-80% 225 $45,485,000 $202,156
20-40% 95 $10,595,000 $111,526
40-60% 90 $16,890,000 $187,667
Under 20% 77 $2,405,000 $31,234
Over 100% 22 $5,510,000 $250,455

Orangeburg's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 562 originations, totaling $128,040,000 in origination value.