Orangeburg Mortgage Rates

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

30 Year Fixed Rate mortgages in Orangeburg averaged 6.2% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.21% and one month ago for the week of 2022-05-26, the average rate was 5.4%.

Orangeburg's average rate one year ago was 3.13%.

For refis of the same type during the week of 2022-06-30, the average rate was 6.07%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Orangeburg 30 Year Fixed Rate 2022-06-30 6.2%
Orangeburg 30 Year Fixed Rate Refi 2022-06-30 6.07%
Orangeburg 15 Year Fixed Rate 2022-06-30 5.21%
Orangeburg 15 Year Fixed Rate Refi 2022-06-30 5.3%
Orangeburg 30 Year FHA 2022-06-30 5.86%
Orangeburg 30 Year FHA Refi 2022-06-30 5.97%
Orangeburg 30 Year USDA 2022-06-30 5.76%
Orangeburg 30 Year USDA Refi 2022-06-30 5.75%
Orangeburg 30 Year VA 2022-06-30 5.94%
Orangeburg 30 Year VA Refi 2022-06-30 5.35%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 44 3.16% $4,634
South State Bank 43 3.24% $4,648
LOANDEPOT.COM, LLC 24 3.10% $4,966
First-Citizens Bank & Trust Company 19 3.35% $3,815
PENNYMAC LOAN SERVICES, LLC 15 2.97% $3,711
MOVEMENT MORTGAGE, LLC 14 3.27% $3,397
GUILD MORTGAGE COMPANY 13 3.23% $4,021
Wells Fargo Bank 10 3.29% $3,329
PRIMELENDING, A PLAINSCAPITAL COMPANY 10 3.19% $4,636
SOUTH CAROLINA FEDERAL CREDIT UNION 9 3.15% $5,630
Ameris Bank 9 3.01% $3,403
Mr. Cooper ( Nationstar Mortgage ) 9 3.49% $4,362
UNITED WHOLESALE MORTGAGE, LLC 8 3.00% $4,087
ARK-LA-TEX FINANCIAL SERVICES, LLC. 8 3.17% $3,663
AMERISAVE MORTGAGE CORPORATION 7 3.21% $3,083
CALIBER HOME LOANS, INC. 6 3.25% $3,275
CPM Federal Credit Union 5 3.35% $3,909
Truist Bank 5 3.00% $3,635
BROKER SOLUTIONS, INC. 5 3.32% $3,636
CALCON MUTUAL MORTGAGE LLC 5 3.30% $6,283
CAROLINA ONE MORTGAGE, LLC 5 3.35% $3,577
NAVY FEDERAL CREDIT UNION 5 3.53% $2,279
Magnolia Bank 5 3.28% $2,849
GUARANTEED RATE AFFINITY, LLC 4 3.38% $3,956
HOME POINT FINANCIAL CORPORATION 4 3.15% $4,680
MIDLAND MORTGAGE CORPORATION 4 3.31% $1,251
SUCCESS MORTGAGE PARTNERS, INC. 4 3.25% $3,411
Citizens Bank 4 3.09% $2,823
Prosperity Home Mortgage, LLC 4 3.09% $3,675
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 4 3.28% $3,733
S. C. STATE FEDERAL CREDIT UNION 3 2.96% $1,543
CMG MORTGAGE, INC. 3 3.25% $3,868
Synovus Bank 3 3.63% $2,678
NTFN, INC. 3 3.38% $2,749
First Palmetto Bank 3 3.33% $3,153
NEWREZ LLC 3 3.04% $3,642
FREEDOM MORTGAGE CORPORATION 3 3.17% $4,949
Bank of America 3 2.75% $2,596
CROSSCOUNTRY MORTGAGE, LLC 3 3.46% $4,199
LOANPAL, LLC 2 3.00% $3,930
Atlantic Coast Mortgage, LLC 2 3.06% $3,837
BETTER MORTGAGE CORPORATION 2 2.94% $2,017
Blue Ridge Bank 2 3.44% $5,526
CHURCHILL MORTGAGE CORPORATION 2 3.31% $3,406
Colten Mortgage, LLC 2 3.44% $3,869
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 3.31% $4,370
Flagstar Bank, FSB 2 3.73% $2,785
Gateway First Bank 2 3.19% $3,716
HOMESIDE FINANCIAL, LLC 2 3.38% $3,639
LENDUS, LLC 2 3.44% $3,510
AgFirst Farm Credit Bank 2 2.88% $4,195
Mortgage Research Center, LLC 2 2.69% $3,736
Pinnacle Bank 2 3.25% $4,230
PLAZA HOME MORTGAGE, INC. 2 3.44% $9,179
Renasant Bank 2 3.31% $2,900
ROYAL UNITED MORTGAGE LLC 2 3.88% $4,034
SOUTHPOINT FINANCIAL SERVICES, INC. 2 3.44% $3,635
THE MORTGAGE FIRM, INC. 2 3.19% $3,928
U.S. Bank 2 3.25% $3,636
Wyndham Capital Mortgage, Inc. 2 2.88% $2,133
JPMorgan Chase Bank 1 3.38% $500
INTERLINC MORTGAGE SERVICES, LLC 1 2.88% $4,120
MUTUAL OF OMAHA MORTGAGE, INC. 1 2.88% $5,138
HOMESTAR FINANCIAL CORPORATION 1 3.13% $3,075
GUARANTY HOME MORTGAGE CORPORATION 1 2.50% $7,579
Northpointe Bank 1 3.38% $4,451
Northwest Federal Credit Union 1 2.88% $3,033
FIRST HOME MORTGAGE CORPORATION 1 3.63% $6,414
Palmetto Citizens Federal Credit Union 1 3.00% $2,109
Paramount Residential Mortgage Group, Inc. 1 3.25% $3,944
First Community Bank 1 3.25% $5,246
Peoples Bank 1 2.50% $5,054
TOWER 1 2.88% $3,508
TOWNE MORTGAGE COMPANY 1 3.13% $5,733
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.38% $3,801
FAMILY FIRST FUNDING LLC 1 4.50% $3,778
Dollar Bank, Federal Savings Bank 1 3.38% $6,517
DIRECT MORTGAGE LOANS, LLC 1 2.75% $3,645
TruHome Solutions, LLC 1 3.25% $4,054
RESOURCE FINANCIAL SERVICES, INC. 1 2.75% $3,037
ANGEL OAK HOME LOANS LLC 1 3.00% $3,049
Countybank 1 2.99% $2,983
Carrington Mortgage Services, LLC 1 4.25% $5,450
AmRes Corporation 1 3.00% $4,189
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 3.99% $5,750
STATE EMPLOYEES' 1 3.25% $3,375
STEARNS LENDING, LLC 1 2.88% $5,732
BARTLETT MORTGAGE, INC. 1 2.88% $3,563
Bank of England 1 3.00% $5,431
TD Bank 1 3.13% $5,177
The Huntington National Bank 1 3.00% $3,100
LOCAL GOVERNMENT FEDERAL CREDIT UNION 1 3.25% $3,229
LAND HOME FINANCIAL SERVICES, INC. 1 3.63% $3,588
Manufacturers and Traders Trust Company 1 3.25% $2,721
Lakeview Community Capital, LLC 1 3.50% $3,467
Mortgage Assurance Inc. 1 3.50% $3,987
MORTGAGE EQUITY PARTNERS LLC 1 3.25% $3,811
MORTGAGE INVESTORS GROUP, INC. 1 2.88% $3,540
Mortgage Network, Inc. 1 3.25% $3,455
AMERICAN FINANCIAL NETWORK, INC. 1 3.25% $8,539

Orangeburg, SC's 100 lenders originated 1,484 loans during 2021. The total origination value was $245,150,000, with an average loan value of $165,195.

The top Orangeburg lender as defined by loan originations is QUICKEN LOANS, LLC, with 44 loans originated. Their average total fees are $4,634, which is $14 lower than the next largest lender, South State Bank.

The lowest fee Orangeburg lenders (with over 10 loans originated) are Wells Fargo Bank ($3,329), MOVEMENT MORTGAGE, LLC ($3,397), PENNYMAC LOAN SERVICES, LLC ($3,711), First-Citizens Bank & Trust Company ($3,815) and GUILD MORTGAGE COMPANY ($4,021).

The lowest rate Orangeburg lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (2.97%), LOANDEPOT.COM, LLC (3.10%), QUICKEN LOANS, LLC (3.16%), PRIMELENDING, A PLAINSCAPITAL COMPANY (3.19%) and GUILD MORTGAGE COMPANY (3.23%).

Orangeburg, SC Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
QUICKEN LOANS, LLC $13,825,000 $19,015,000 37.5% 7.8%
South State Bank $7,575,000 $16,895,000 123.0% 6.9%
First-Citizens Bank & Trust Company $10,705,000 $12,055,000 12.6% 4.9%
LOANDEPOT.COM, LLC $7,240,000 $9,705,000 34.0% 4.0%
PENNYMAC LOAN SERVICES, LLC $1,175,000 $8,350,000 610.6% 3.4%
FREEDOM MORTGAGE CORPORATION $7,285,000 $7,970,000 9.4% 3.3%
21ST MORTGAGE CORPORATION $6,975,000 $7,685,000 10.2% 3.1%
GUILD MORTGAGE COMPANY $6,125,000 $7,230,000 18.0% 2.9%
Mortgage Research Center, LLC $2,975,000 $6,905,000 132.1% 2.8%
Mr. Cooper ( Nationstar Mortgage ) $2,035,000 $4,640,000 128.0% 1.9%
Wells Fargo Bank $2,025,000 $4,320,000 113.3% 1.8%
UNITED WHOLESALE MORTGAGE, LLC $2,700,000 $4,150,000 53.7% 1.7%
MIDLAND MORTGAGE CORPORATION $2,370,000 $4,120,000 73.8% 1.7%
Ameris Bank $3,260,000 $3,975,000 21.9% 1.6%
NAVY FEDERAL CREDIT UNION $3,085,000 $3,925,000 27.2% 1.6%
VANDERBILT MORTGAGE AND FINANCE, INC. $3,665,000 $3,705,000 1.1% 1.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,920,000 $3,690,000 26.4% 1.5%
MOVEMENT MORTGAGE, LLC $1,595,000 $3,640,000 128.2% 1.5%
BROKER SOLUTIONS, INC. $4,210,000 $3,315,000 -21.3% 1.4%
Truist Bank $1,775,000 $3,300,000 85.9% 1.3%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $2,680,000 $3,235,000 20.7% 1.3%
Magnolia Bank $5,945,000 $3,210,000 -46.0% 1.3%
VILLAGE CAPITAL & INVESTMENT LLC $945,000 $2,800,000 196.3% 1.1%
STEARNS LENDING, LLC $2,240,000 $2,660,000 18.8% 1.1%
SOUTH CAROLINA FEDERAL CREDIT UNION $3,840,000 $2,620,000 -31.8% 1.1%
CPM Federal Credit Union $900,000 $2,365,000 162.8% 1.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,000,000 $2,325,000 16.3% 0.9%
CAROLINA ONE MORTGAGE, LLC $1,910,000 $2,215,000 16.0% 0.9%
CALIBER HOME LOANS, INC. $655,000 $2,145,000 227.5% 0.9%
AMERISAVE MORTGAGE CORPORATION $1,410,000 $2,140,000 51.8% 0.9%
ANGEL OAK HOME LOANS LLC $995,000 $2,075,000 108.5% 0.8%
SUN WEST MORTGAGE COMPANY, INC. $815,000 $2,070,000 154.0% 0.8%
CALCON MUTUAL MORTGAGE LLC $1,000,000 $1,985,000 98.5% 0.8%
Prosperity Home Mortgage, LLC $600,000 $1,965,000 227.5% 0.8%
First Palmetto Bank $715,000 $1,910,000 167.1% 0.8%
Renasant Bank $500,000 $1,900,000 280.0% 0.8%
GrandSouth Bank $2,835,000 $1,790,000 -36.9% 0.7%
United Community Bank $2,795,000 $1,680,000 -39.9% 0.7%
HOME POINT FINANCIAL CORPORATION $390,000 $1,600,000 310.3% 0.7%
NEWREZ LLC $650,000 $1,590,000 144.6% 0.6%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $525,000 $1,490,000 183.8% 0.6%
SUCCESS MORTGAGE PARTNERS, INC. $605,000 $1,490,000 146.3% 0.6%
CROSSCOUNTRY MORTGAGE, LLC $1,010,000 $1,485,000 47.0% 0.6%
LAKEVIEW LOAN SERVICING, LLC $490,000 $1,465,000 199.0% 0.6%
CMG MORTGAGE, INC. $2,150,000 $1,420,000 -34.0% 0.6%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $95,000 $1,415,000 1,389.5% 0.6%
Carrington Mortgage Services, LLC $1,325,000 $1,405,000 6.0% 0.6%
S. C. STATE FEDERAL CREDIT UNION $595,000 $1,360,000 128.6% 0.6%
Citizens Bank $1,050,000 $1,315,000 25.2% 0.5%
AgFirst Farm Credit Bank $2,240,000 $1,245,000 -44.4% 0.5%
SOUTHPOINT FINANCIAL SERVICES, INC. $795,000 $1,235,000 55.3% 0.5%
Hometown Equity Mortgage, LLC $115,000 $1,205,000 947.8% 0.5%
U.S. Bank $1,120,000 n/a 0.5%
GUARANTEED RATE AFFINITY, LLC $990,000 n/a 0.4%
TOWNE MORTGAGE COMPANY $710,000 $955,000 34.5% 0.4%
NTFN, INC. $745,000 $925,000 24.2% 0.4%
NEW DAY FINANCIAL, LLC $1,250,000 $900,000 -28.0% 0.4%
Pinnacle Bank $105,000 $895,000 752.4% 0.4%
Bank of America $1,765,000 $885,000 -49.9% 0.4%
USAA Federal Savings Bank $1,830,000 $875,000 -52.2% 0.4%
Flagstar Bank, FSB $565,000 $845,000 49.6% 0.3%
JPMorgan Chase Bank $490,000 $815,000 66.3% 0.3%
Southern First Bank $195,000 $815,000 317.9% 0.3%
PLAZA HOME MORTGAGE, INC. $970,000 $750,000 -22.7% 0.3%
Synovus Bank $655,000 $720,000 9.9% 0.3%
HOMESIDE FINANCIAL, LLC $590,000 $690,000 16.9% 0.3%
Barrington Bank & Trust Company, N.A. $350,000 $665,000 90.0% 0.3%
TD Bank $415,000 $640,000 54.2% 0.3%
1ST SIGNATURE LENDING, LLC $1,220,000 $635,000 -48.0% 0.3%
MORTGAGE SOLUTIONS OF COLORADO, LLC $2,485,000 $630,000 -74.6% 0.3%
LENDUS, LLC $355,000 $620,000 74.6% 0.3%
Northpointe Bank $1,065,000 $595,000 -44.1% 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $205,000 $575,000 180.5% 0.2%
The Citizens Bank $625,000 $575,000 -8.0% 0.2%
Colten Mortgage, LLC $360,000 $565,000 56.9% 0.2%
Sierra Pacific Mortgage Company, Inc. $270,000 $550,000 103.7% 0.2%
RESOURCE FINANCIAL SERVICES, INC. $570,000 $545,000 -4.4% 0.2%
Blue Ridge Bank $540,000 n/a 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $525,000 $530,000 1.0% 0.2%
SAFE FEDERAL CREDIT UNION $285,000 $505,000 77.2% 0.2%
BAY EQUITY LLC $495,000 n/a 0.2%
ALLSOUTH $65,000 $490,000 653.8% 0.2%
Enterprise Bank of South Carolina $335,000 $475,000 41.8% 0.2%
Palmetto Citizens Federal Credit Union $255,000 $475,000 86.3% 0.2%
The Federal Savings Bank $2,095,000 $470,000 -77.6% 0.2%
CORNERSTONE HOME LENDING, INC. $460,000 n/a 0.2%
THE MORTGAGE FIRM, INC. $460,000 n/a 0.2%
LENDINGHOME FUNDING CORPORATION $455,000 n/a 0.2%
MORTGAGE INVESTORS GROUP, INC. $455,000 n/a 0.2%
Paramount Residential Mortgage Group, Inc. $250,000 $455,000 82.0% 0.2%
PHH Mortgage Corporation $170,000 $455,000 167.6% 0.2%
Wyndham Capital Mortgage, Inc. $175,000 $450,000 157.1% 0.2%
BETTER MORTGAGE CORPORATION $235,000 $435,000 85.1% 0.2%
BARTLETT MORTGAGE, INC. $415,000 n/a 0.2%
GUARANTY HOME MORTGAGE CORPORATION $415,000 n/a 0.2%
ROYAL UNITED MORTGAGE LLC $285,000 $410,000 43.9% 0.2%
INTERLINC MORTGAGE SERVICES, LLC $390,000 n/a 0.2%
PLANET HOME LENDING, LLC $310,000 $390,000 25.8% 0.2%
First Community Bank $825,000 $380,000 -53.9% 0.2%
TRIAD FINANCIAL SERVICES, INC. $275,000 $380,000 38.2% 0.2%
First Reliance Bank $555,000 $375,000 -32.4% 0.2%
First Guaranty Mortgage Corporation $535,000 $365,000 -31.8% 0.1%
Northwest Federal Credit Union $365,000 n/a 0.1%
Atlantic Coast Mortgage, LLC $735,000 $360,000 -51.0% 0.1%
PENTAGON FEDERAL CREDIT UNION $70,000 $360,000 414.3% 0.1%
SOUTHWEST STAGE FUNDING, LLC $370,000 $360,000 -2.7% 0.1%
Lakeview Community Capital, LLC $370,000 $355,000 -4.1% 0.1%
Gateway First Bank $360,000 $340,000 -5.6% 0.1%
The Huntington National Bank $135,000 $340,000 151.9% 0.1%
CHURCHILL MORTGAGE CORPORATION $115,000 $330,000 187.0% 0.1%
Mortgage Network, Inc. $245,000 $325,000 32.7% 0.1%
Meridian Bank Corporation $295,000 n/a 0.1%
North American Savings Bank, F.S.B. $295,000 n/a 0.1%
DIRECT MORTGAGE LOANS, LLC $295,000 $290,000 -1.7% 0.1%
SOUTHWEST FUNDING, LP $115,000 $280,000 143.5% 0.1%
American Security Mortgage Corp. $275,000 n/a 0.1%
Assurance Financial Group, L.L.C. $270,000 n/a 0.1%
REV FEDERAL CREDIT UNION $230,000 $260,000 13.0% 0.1%
LOANPAL, LLC $635,000 $255,000 -59.8% 0.1%
Low VA Rates, LLC $770,000 $255,000 -66.9% 0.1%
MID AMERICA MORTGAGE, INC. $680,000 $255,000 -62.5% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $800,000 $250,000 -68.8% 0.1%
United Bank $250,000 n/a 0.1%
First Federal Bank $310,000 $240,000 -22.6% 0.1%
HOMESTAR FINANCIAL CORPORATION $240,000 n/a 0.1%
OCEANSIDE MORTGAGE COMPANY $125,000 $240,000 92.0% 0.1%
AmeriHome Mortgage Company, LLC $235,000 n/a 0.1%
Dollar Bank, Federal Savings Bank $225,000 n/a 0.1%
UNITED MORTGAGE CORP. $225,000 n/a 0.1%
CityWorth Mortgage LLC $215,000 $215,000 0.0% 0.1%
GoPrime Mortgage, Inc. $165,000 $215,000 30.3% 0.1%
Peoples Bank $185,000 $215,000 16.2% 0.1%
MORTGAGE EQUITY PARTNERS LLC $125,000 $210,000 68.0% 0.1%
STATE EMPLOYEES' $65,000 $210,000 223.1% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $205,000 n/a 0.1%
CLEARPATH LENDING $235,000 $205,000 -12.8% 0.1%
Evolve Bank & Trust $205,000 n/a 0.1%
LOANLEADERS OF AMERICA, INC. $205,000 n/a 0.1%
RESIDENTIAL MORTGAGE SERVICES, INC. $175,000 $205,000 17.1% 0.1%
ACCELERATE MORTGAGE, LLC $195,000 n/a 0.1%
Colonial Savings, F.A. $225,000 $195,000 -13.3% 0.1%
Mid-Continent Funding, Inc. $195,000 n/a 0.1%
NBKC BANK $195,000 n/a 0.1%
UNION HOME MORTGAGE CORP. $195,000 n/a 0.1%
LOCAL GOVERNMENT FEDERAL CREDIT UNION $190,000 n/a 0.1%
Arthur State Bank $385,000 $185,000 -51.9% 0.1%
FIRST HOME MORTGAGE CORPORATION $175,000 n/a 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $175,000 n/a 0.1%
AmRes Corporation $165,000 n/a 0.1%
BAYER HERITAGE $165,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $360,000 $165,000 -54.2% 0.1%
INTERCOASTAL MORTGAGE COMPANY $195,000 $155,000 -20.5% 0.1%
LAND HOME FINANCIAL SERVICES, INC. $155,000 n/a 0.1%
Palmetto State Bank $155,000 n/a 0.1%
SUMMIT FUNDING, INC. $155,000 n/a 0.1%
TruHome Solutions, LLC $310,000 $155,000 -50.0% 0.1%
LIMA ONE CAPITAL, LLC $605,000 $150,000 -75.2% 0.1%
Bank of England $445,000 $145,000 -67.4% 0.1%
Citibank $75,000 $145,000 93.3% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $630,000 $145,000 -77.0% 0.1%
Network Funding, L.P. $145,000 n/a 0.1%
CIVIC FINANCIAL SERVICES, LLC $190,000 $140,000 -26.3% 0.1%
ARC HOME LLC $135,000 n/a 0.1%
Countybank $135,000 n/a 0.1%
KELLER MORTGAGE, LLC $135,000 n/a 0.1%
Nations Lending Corporation $240,000 $135,000 -43.8% 0.1%
AMCAP MORTGAGE, LTD. $125,000 n/a 0.1%
Discover Bank $140,000 $125,000 -10.7% 0.1%
RELIANCE FIRST CAPITAL, LLC $165,000 $125,000 -24.2% 0.1%
Platinum Home Mortgage Corporation $105,000 $115,000 9.5% 0.0%
SRP Federal Credit Union $225,000 $115,000 -48.9% 0.0%
TOWER $115,000 n/a 0.0%
Alcova Mortgage LLC $95,000 n/a 0.0%
ZILLOW HOME LOANS, LLC $95,000 n/a 0.0%
Mortgage Assurance Inc. $75,000 n/a 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $125,000 $65,000 -48.0% 0.0%
CSL Financial, LLC $110,000 $65,000 -40.9% 0.0%
FOUNDERS FEDERAL CREDIT UNION $65,000 n/a 0.0%
Security Federal Bank $650,000 $65,000 -90.0% 0.0%
Axos Bank $55,000 n/a 0.0%
FAMILY FIRST FUNDING LLC $55,000 n/a 0.0%
Bethpage Federal Credit Union $45,000 n/a 0.0%
MTC Federal Credit Union $45,000 n/a 0.0%
Secured Investment Corp. $45,000 n/a 0.0%
AMERICAN ADVISORS GROUP $160,000 $35,000 -78.1% 0.0%
FINANCE OF AMERICA REVERSE LLC $25,000 $35,000 40.0% 0.0%
Manufacturers and Traders Trust Company $35,000 n/a 0.0%
Bronco Federal Credit Union $15,000 n/a 0.0%

Orangeburg's top lender by overall market share is QUICKEN LOANS, LLC, with 7.8% market share. In second place, with 6.9%, is South State Bank, having originated $16,895,000 in loans. In third place, with 4.9%, is First-Citizens Bank & Trust Company, having originated $12,055,000 in loans. In third place, with 4.0%, is LOANDEPOT.COM, LLC, having originated $9,705,000 in loans. In third place, with 3.4%, is PENNYMAC LOAN SERVICES, LLC, having originated $8,350,000 in loans.


Orangeburg, SC Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 767 $132,645,000 $172,940
Refi 460 $75,260,000 $163,609
Cash Out Refi 205 $32,025,000 $156,220
Other 30 $2,940,000 $98,000
Home Improvement 22 $2,280,000 $103,636

Orangeburg's most frequently cited loan purpose was Home Purchase, with 767 originations. The 2nd most popular reason was Refi, with 460 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 499 $89,085,000 $178,527
2.5-3% 468 $86,150,000 $184,081
<2.5% 251 $42,935,000 $171,056
Over 8% 96 $7,870,000 $81,979
4-5% 61 $8,055,000 $132,049
7-8% 34 $3,130,000 $92,059
6-7% 24 $2,270,000 $94,583
5-6% 22 $1,820,000 $82,727

During 2021, Orangeburg's most frequently originated rate bucket was 3-4%, with 499 originations.

Loan Sizing (Orangeburg, SC MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 671 $98,155,000 $146,282
$100,000 or less 396 $26,800,000 $67,677
$200k-400k 371 $97,885,000 $263,841
$400k-600k 42 $19,400,000 $461,905
$600k-1000k 4 $2,910,000 $727,500

Orangeburg's loan sizing saw the bucket of loans from $100k-200k with 671 originations, totaling $98,155,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 737 $129,995,000 $176,384
60-80% 386 $67,570,000 $175,052
40-60% 137 $18,355,000 $133,978
20-40% 74 $6,840,000 $92,432
Under 20% 30 $710,000 $23,667
Over 100% 27 $5,995,000 $222,037

Orangeburg's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 737 originations, totaling $129,995,000 in origination value.


Market Conditions (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 $142,750 (-3.8%) $196,268 (10.9%) 0.00 424
2018-02-01 $147,000 (1.4%) $200,173 (13.6%) 0.00 432
2018-03-01 $149,900 (5.2%) $201,930 (14.7%) 0.00 429
2018-04-01 $149,450 (3.1%) $201,667 (13.8%) 0.00 455
2018-05-01 $152,995 (5.0%) $205,875 (12.9%) 0.00 448
2018-06-01 $154,900 (5.4%) $207,311 (13.2%) 0.00 451
2018-07-01 $149,950 (0.6%) $205,103 (9.4%) 0.00 474
2018-08-01 $154,000 (6.2%) $206,063 (12.2%) 0.00 477
2018-09-01 $159,900 (10.3%) $206,238 (12.0%) 0.00 477
2018-10-01 $159,900 (12.2%) $201,397 (8.4%) 0.00 468
2018-11-01 $156,990 (8.7%) $205,308 (8.4%) 0.00 462
2018-12-01 $159,000 (9.0%) $202,908 (7.2%) 0.00 441
2019-01-01 $159,900 (12.0%) $204,212 (4.1%) 0.00 408
2019-02-01 $168,750 (14.8%) $209,764 (4.8%) 0.00 405
2019-03-01 $172,929 (15.4%) $214,020 (6.0%) 0.00 420
2019-04-01 $175,629 (17.5%) $217,893 (8.1%) 0.00 432
2019-05-01 $168,850 (10.4%) $215,693 (4.8%) 0.00 444
2019-06-01 $169,000 (9.1%) $214,345 (3.4%) 0.00 437
2019-07-01 $169,950 (13.3%) $216,856 (5.7%) 0.00 421
2019-08-01 $174,285 (13.2%) $224,974 (9.2%) 0.00 392
2019-09-01 $179,285 (12.1%) $228,705 (10.9%) 0.00 367
2019-10-01 $185,950 (16.3%) $233,533 (16.0%) 0.00 369
2019-11-01 $219,500 (39.8%) $259,001 (26.2%) 0.00 289
2019-12-01 $209,200 (31.6%) $257,928 (27.1%) 0.00 294
2020-01-01 $198,200 (24.0%) $252,975 (23.9%) 0.00 274
2020-02-01 $190,000 (12.6%) $241,268 (15.0%) 0.00 266
2020-03-01 $185,000 (7.0%) $234,596 (9.6%) 0.00 262
2020-04-01 $189,250 (7.8%) $233,891 (7.3%) 0.00 249
2020-05-01 $199,500 (18.2%) $251,913 (16.8%) 0.00 229
2020-06-01 $212,450 (25.7%) $269,321 (25.7%) 0.00 207
2020-07-01 $231,500 (36.2%) $288,071 (32.8%) 0.00 196
2020-08-01 $231,900 (33.1%) $294,455 (30.9%) 0.00 182
2020-09-01 $229,900 (28.2%) $286,418 (25.2%) 0.00 175
2020-10-01 $229,000 (23.2%) $287,014 (22.9%) 0.00 162
2020-11-01 $199,200 (-9.3%) $251,606 (-2.9%) 0.00 190
2020-12-01 $194,000 (-7.3%) $258,950 (0.4%) 0.00 156
2021-01-01 $189,500 (-4.4%) $254,710 (0.7%) 0.00 142
2021-02-01 $182,250 (-4.1%) $248,743 (3.1%) 0.00 147
2021-03-01 $180,000 (-2.7%) $260,969 (11.2%) 0.00 126
2021-04-01 $193,700 (2.4%) $300,606 (28.5%) 0.00 128
2021-05-01 $189,500 (-5.0%) $330,597 (31.2%) 0.00 115
2021-06-01 $189,700 (-10.7%) $302,824 (12.4%) 0.00 116
2021-07-01 $230,000 (-0.7%) $310,375 (7.7%) 0.00 116
2021-08-01 $197,000 (-15.1%) $308,807 (4.9%) 0.00 120
2021-09-01 $217,000 (-5.6%) $309,674 (8.1%) 0.00 125
2021-10-01 $245,000 (7.0%) $318,200 (10.9%) 0.00 131
2021-11-01 $256,900 (29.0%) $322,927 (28.4%) 0.00 127
2021-12-01 $247,345 (27.5%) $302,661 (16.9%) 0.00 129
2022-01-01 $249,690 (31.8%) $292,224 (14.7%) 0.00 128
2022-02-01 $256,250 (40.6%) $294,675 (18.5%) 0.00 114
2022-03-01 $260,000 (44.4%) $295,022 (13.1%) 0.00 95
2022-04-01 $259,900 (34.2%) $275,214 (-8.5%) 0.00 103
2022-05-01 $286,250 (51.1%) $300,544 (-9.1%) 0.00 107
2022-06-01 $325,900 (71.8%) $315,411 (4.2%) 0.00 119
Orangeburg's median listing price for 2022-06-01 was $325,900, a difference of $136,200 (71.8%) versus the prior year and $39,650 versus the prior month.

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

Orangeburg's average listing price for 2022-06-01 was $315,411, a difference of $12,587 (4.2%) versus the prior year and $14,867 versus the prior month.

For the 2022-06-01 period, Orangeburg had 119 MLS listings, a difference of 12 listings (11%) versus the prior month and 3 listings (3%) 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 1,924 sqft
2018-02-01 0 days 1,954 sqft
2018-03-01 0 days 1,938 sqft
2018-04-01 0 days 1,929 sqft
2018-05-01 0 days 1,934 sqft
2018-06-01 0 days 1,946 sqft
2018-07-01 0 days 1,914 sqft
2018-08-01 0 days 1,860 sqft
2018-09-01 0 days 1,848 sqft
2018-10-01 0 days 1,815 sqft
2018-11-01 0 days 1,810 sqft
2018-12-01 0 days 1,801 sqft
2019-01-01 0 days 1,801 sqft
2019-02-01 0 days 1,849 sqft
2019-03-01 0 days 1,861 sqft
2019-04-01 0 days 1,863 sqft
2019-05-01 0 days 1,827 sqft
2019-06-01 0 days 1,829 sqft
2019-07-01 0 days 1,880 sqft
2019-08-01 0 days 1,848 sqft
2019-09-01 0 days 1,830 sqft
2019-10-01 0 days 1,900 sqft
2019-11-01 0 days 2,030 sqft
2019-12-01 0 days 2,022 sqft
2020-01-01 0 days 1,953 sqft
2020-02-01 0 days 1,959 sqft
2020-03-01 0 days 1,981 sqft
2020-04-01 0 days 1,961 sqft
2020-05-01 0 days 2,022 sqft
2020-06-01 0 days 2,007 sqft
2020-07-01 0 days 2,136 sqft
2020-08-01 0 days 2,246 sqft
2020-09-01 0 days 2,187 sqft
2020-10-01 0 days 2,200 sqft
2020-11-01 0 days 2,136 sqft
2020-12-01 0 days 1,968 sqft
2021-01-01 0 days 1,968 sqft
2021-02-01 0 days 1,972 sqft
2021-03-01 0 days 1,919 sqft
2021-04-01 0 days 1,969 sqft
2021-05-01 0 days 2,177 sqft
2021-06-01 0 days 2,012 sqft
2021-07-01 0 days 1,948 sqft
2021-08-01 0 days 1,826 sqft
2021-09-01 0 days 1,868 sqft
2021-10-01 0 days 2,020 sqft
2021-11-01 0 days 2,000 sqft
2021-12-01 0 days 2,000 sqft
2022-01-01 0 days 2,020 sqft
2022-02-01 0 days 2,077 sqft
2022-03-01 0 days 2,035 sqft
2022-04-01 0 days 2,000 sqft
2022-05-01 0 days 2,074 sqft
2022-06-01 0 days 2,170 sqft
Orangeburg's median listing age (time on market) for 2022-06-01 was 0 days.

Orangeburg's median square footage for active listings during the 2022-06-01 period was 2,170 sqft. One year prior, the average listing was 2,012 sqft.