Orangeburg Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Orangeburg averaged
6.63%
for the week of 2023-03-23, compared to the national average of
6.42% for the same period.
The average rate for the prior week (2023-03-16) was
6.91% and
one month ago for the week of 2023-02-16, the
average rate was 6.53%.
Orangeburg's average rate one year ago was 3.86%.
For refis of the same type during the week of 2023-03-23, the average rate
was 6.6%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-03-23 | 6.42% |
| Orangeburg 30 Year Fixed Rate | 2023-03-23 | 6.63% |
| Orangeburg 30 Year Fixed Rate Refi | 2023-03-23 | 6.6% |
| Orangeburg 15 Year Fixed Rate | 2023-03-23 | 6.45% |
| Orangeburg 15 Year Fixed Rate Refi | 2023-03-23 | 6.54% |
| Orangeburg 30 Year FHA | 2023-03-23 | 6.41% |
| Orangeburg 30 Year FHA Refi | 2023-03-23 | 6.27% |
| Orangeburg 30 Year USDA | 2023-03-23 | 6.24% |
| Orangeburg 30 Year USDA Refi | 2023-03-23 | 6.41% |
| Orangeburg 30 Year VA | 2023-03-23 | 6.17% |
| Orangeburg 30 Year VA Refi | 2023-03-23 | 5.87% |
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.).
Orangeburg Average Closing Costs & Other Stats
Orangeburg, SC's 108 lenders originated 1,074
loans during 2022. The total origination value was $189,840,000, with an average loan value of
$176,760.
Orangeburg's average closing costs are $5,004.
The top Orangeburg lender as defined by loan originations is South State Bank, with
27 loans originated. Their average total fees are
$5,114, which is $1,277
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Orangeburg lenders (with over 10 loans originated) are
First-Citizens Bank & Trust Company ($3,649), Wells Fargo Bank ($4,015), South State Bank ($5,114), PENNYMAC LOAN SERVICES, LLC ($5,481) and QUICKEN LOANS, LLC ($6,391).
The lowest rate Orangeburg lenders (with over 10 loans originated) are
PENNYMAC LOAN SERVICES, LLC (4.61%), Wells Fargo Bank (4.61%), First-Citizens Bank & Trust Company (4.77%), QUICKEN LOANS, LLC (4.81%) and South State Bank (5.06%).
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| South State Bank | $16,895,000 | $12,730,000 | -24.7% | 6.7% |
| QUICKEN LOANS, LLC | $19,015,000 | $10,465,000 | -45.0% | 5.5% |
| First-Citizens Bank & Trust Company | $12,055,000 | $9,955,000 | -17.4% | 5.2% |
| Mortgage Research Center, LLC | $6,905,000 | $7,520,000 | 8.9% | 4.0% |
| 21ST MORTGAGE CORPORATION | $7,685,000 | $5,955,000 | -22.5% | 3.1% |
| GUILD MORTGAGE COMPANY | $7,230,000 | $5,745,000 | -20.5% | 3.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $4,150,000 | $4,565,000 | 10.0% | 2.4% |
| LOANDEPOT.COM, LLC | $9,705,000 | $3,955,000 | -59.2% | 2.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $3,705,000 | $3,855,000 | 4.0% | 2.0% |
| Wells Fargo Bank | $4,320,000 | $3,840,000 | -11.1% | 2.0% |
| Ameris Bank | $3,975,000 | $3,580,000 | -9.9% | 1.9% |
| PENNYMAC LOAN SERVICES, LLC | $8,350,000 | $3,225,000 | -61.4% | 1.7% |
| HOME POINT FINANCIAL CORPORATION | $1,600,000 | $3,085,000 | 92.8% | 1.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,485,000 | $3,055,000 | 105.7% | 1.6% |
| MIDLAND MORTGAGE CORPORATION | $4,120,000 | $2,870,000 | -30.3% | 1.5% |
| SOUTH CAROLINA FEDERAL CREDIT UNION | $2,620,000 | $2,590,000 | -1.1% | 1.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $4,640,000 | $2,360,000 | -49.1% | 1.2% |
| CAROLINA ONE MORTGAGE, LLC | $2,215,000 | $2,260,000 | 2.0% | 1.2% |
| BROKER SOLUTIONS, INC. | $3,315,000 | $2,205,000 | -33.5% | 1.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $205,000 | $2,135,000 | 941.5% | 1.1% |
| Magnolia Bank | $3,210,000 | $2,125,000 | -33.8% | 1.1% |
| CMG MORTGAGE, INC. | $1,420,000 | $2,120,000 | 49.3% | 1.1% |
| NAVY FEDERAL CREDIT UNION | $3,925,000 | $2,090,000 | -46.8% | 1.1% |
| FREEDOM MORTGAGE CORPORATION | $7,970,000 | $2,000,000 | -74.9% | 1.1% |
| CALCON MUTUAL MORTGAGE LLC | $1,985,000 | $1,980,000 | -0.3% | 1.0% |
| Truist | $3,300,000 | $1,930,000 | -41.5% | 1.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $3,690,000 | $1,875,000 | -49.2% | 1.0% |
| Enterprise Bank of South Carolina | $475,000 | $1,810,000 | 281.1% | 1.0% |
| NEW DAY FINANCIAL, LLC | $900,000 | $1,795,000 | 99.4% | 0.9% |
| AMERISAVE MORTGAGE CORPORATION | $2,140,000 | $1,590,000 | -25.7% | 0.8% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $630,000 | $1,590,000 | 152.4% | 0.8% |
| S. C. STATE FEDERAL CREDIT UNION | $1,360,000 | $1,585,000 | 16.5% | 0.8% |
| SUCCESS MORTGAGE PARTNERS, INC. | $1,490,000 | $1,575,000 | 5.7% | 0.8% |
| GrandSouth Bank | $1,790,000 | $1,560,000 | -12.8% | 0.8% |
| CALIBER HOME LOANS, INC. | $2,145,000 | $1,545,000 | -28.0% | 0.8% |
| DHI MORTGAGE COMPANY, LTD. | $1,510,000 | n/a | 0.8% | |
| First Palmetto Bank | $1,910,000 | $1,420,000 | -25.7% | 0.7% |
| NTFN, INC. | $925,000 | $1,415,000 | 53.0% | 0.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,325,000 | $1,410,000 | -39.4% | 0.7% |
| Carrington Mortgage Services, LLC | $1,405,000 | $1,370,000 | -2.5% | 0.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $3,235,000 | $1,320,000 | -59.2% | 0.7% |
| Bank of America | $885,000 | $1,240,000 | 40.1% | 0.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $1,490,000 | $1,200,000 | -19.5% | 0.6% |
| GUARANTEED RATE, INC. | $1,155,000 | n/a | 0.6% | |
| Equity Prime Mortgage LLC | $1,150,000 | n/a | 0.6% | |
| TOWNE MORTGAGE COMPANY | $955,000 | $1,110,000 | 16.2% | 0.6% |
| MOVEMENT MORTGAGE, LLC | $3,640,000 | $1,065,000 | -70.7% | 0.6% |
| First Guaranty Mortgage Corporation | $365,000 | $1,055,000 | 189.0% | 0.6% |
| JPMorgan Chase Bank | $815,000 | $1,020,000 | 25.2% | 0.5% |
| Pinnacle Bank | $895,000 | $970,000 | 8.4% | 0.5% |
| Alcova Mortgage LLC | $95,000 | $955,000 | 905.3% | 0.5% |
| REV FEDERAL CREDIT UNION | $260,000 | $950,000 | 265.4% | 0.5% |
| United Community Bank | $1,680,000 | $900,000 | -46.4% | 0.5% |
| Gateway First Bank | $340,000 | $895,000 | 163.2% | 0.5% |
| 1ST SIGNATURE LENDING, LLC | $635,000 | $850,000 | 33.9% | 0.4% |
| Network Funding, L.P. | $145,000 | $845,000 | 482.8% | 0.4% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $1,415,000 | $800,000 | -43.5% | 0.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $530,000 | $780,000 | 47.2% | 0.4% |
| SAFE FEDERAL CREDIT UNION | $505,000 | $780,000 | 54.5% | 0.4% |
| NEWREZ LLC | $1,590,000 | $765,000 | -51.9% | 0.4% |
| AMWEST FUNDING CORP. | $735,000 | n/a | 0.4% | |
| INTERLINC MORTGAGE SERVICES, LLC | $390,000 | $725,000 | 85.9% | 0.4% |
| Flagstar Bank, FSB | $845,000 | $715,000 | -15.4% | 0.4% |
| Paramount Residential Mortgage Group, Inc. | $455,000 | $715,000 | 57.1% | 0.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | $575,000 | $710,000 | 23.5% | 0.4% |
| LIMA ONE CAPITAL, LLC | $150,000 | $695,000 | 363.3% | 0.4% |
| Hometown Equity Mortgage, LLC | $1,205,000 | $675,000 | -44.0% | 0.4% |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $1,235,000 | $670,000 | -45.7% | 0.4% |
| Waterstone Mortgage Corporation | $645,000 | n/a | 0.3% | |
| AgFirst Farm Credit Bank | $1,245,000 | $635,000 | -49.0% | 0.3% |
| United Bank | $250,000 | $635,000 | 154.0% | 0.3% |
| Stifel Bank and Trust | $625,000 | n/a | 0.3% | |
| CPM Federal Credit Union | $2,365,000 | $620,000 | -73.8% | 0.3% |
| Security Federal Bank | $65,000 | $620,000 | 853.8% | 0.3% |
| GUARANTEED RATE AFFINITY, LLC | $990,000 | $615,000 | -37.9% | 0.3% |
| TD Bank | $640,000 | $595,000 | -7.0% | 0.3% |
| Citizens Bank | $1,315,000 | $585,000 | -55.5% | 0.3% |
| MCLEAN MORTGAGE CORPORATION | $560,000 | n/a | 0.3% | |
| THE MORTGAGE FIRM, INC. | $460,000 | $555,000 | 20.7% | 0.3% |
| CORNERSTONE HOME LENDING, INC. | $460,000 | $525,000 | 14.1% | 0.3% |
| LENDINGHOME FUNDING CORPORATION | $455,000 | $525,000 | 15.4% | 0.3% |
| BETTER MORTGAGE CORPORATION | $435,000 | $505,000 | 16.1% | 0.3% |
| First National Bank of Pennsylvania | $495,000 | n/a | 0.3% | |
| ZILLOW HOME LOANS, LLC | $95,000 | $475,000 | 400.0% | 0.3% |
| COUNTRYPLACE MORTGAGE, LTD. | $465,000 | n/a | 0.2% | |
| GUARANTY HOME MORTGAGE CORPORATION | $415,000 | $460,000 | 10.8% | 0.2% |
| CIVIC FINANCIAL SERVICES, LLC | $140,000 | $455,000 | 225.0% | 0.2% |
| First Horizon Bank | $450,000 | n/a | 0.2% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $145,000 | $440,000 | 203.4% | 0.2% |
| Commerce Home Mortgage, Inc. | $435,000 | n/a | 0.2% | |
| NBKC BANK | $195,000 | $435,000 | 123.1% | 0.2% |
| Northpointe Bank | $595,000 | $430,000 | -27.7% | 0.2% |
| GENEVA FINANCIAL, LLC | $425,000 | n/a | 0.2% | |
| MORTGAGE EQUITY PARTNERS LLC | $210,000 | $425,000 | 102.4% | 0.2% |
| PHH Mortgage Corporation | $455,000 | $405,000 | -11.0% | 0.2% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $385,000 | n/a | 0.2% | |
| PANORAMA MORTGAGE GROUP, LLC | $385,000 | n/a | 0.2% | |
| INTERCOASTAL MORTGAGE COMPANY | $155,000 | $375,000 | 141.9% | 0.2% |
| RESOURCE FINANCIAL SERVICES, INC. | $545,000 | $370,000 | -32.1% | 0.2% |
| STATE EMPLOYEES' | $210,000 | $360,000 | 71.4% | 0.2% |
| Assurance Financial Group, L.L.C. | $270,000 | $350,000 | 29.6% | 0.2% |
| OPEN MORTGAGE, LLC | $345,000 | n/a | 0.2% | |
| Trustmark National Bank | $345,000 | n/a | 0.2% | |
| USAA Federal Savings Bank | $875,000 | $345,000 | -60.6% | 0.2% |
| Nations Lending Corporation | $135,000 | $335,000 | 148.1% | 0.2% |
| Southern First Bank | $815,000 | $335,000 | -58.9% | 0.2% |
| THRIVE MORTGAGE, LLC | $335,000 | n/a | 0.2% | |
| TJC Mortgage, Inc. | $335,000 | n/a | 0.2% | |
| TRIAD FINANCIAL SERVICES, INC. | $380,000 | $330,000 | -13.2% | 0.2% |
| PNC Bank | $315,000 | n/a | 0.2% | |
| ROYAL UNITED MORTGAGE LLC | $410,000 | $310,000 | -24.4% | 0.2% |
| LADERA LENDING, INC. | $300,000 | n/a | 0.2% | |
| LOANPAL, LLC | $255,000 | $295,000 | 15.7% | 0.2% |
| NFM, INC. | $295,000 | n/a | 0.2% | |
| OCMBC, INC. | $295,000 | n/a | 0.2% | |
| SOUTHWEST STAGE FUNDING, LLC | $360,000 | $280,000 | -22.2% | 0.1% |
| Credence Funding Corporation | $275,000 | n/a | 0.1% | |
| Metro City Bank | $275,000 | n/a | 0.1% | |
| Strong Home Mortgage, LLC | $275,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $750,000 | $265,000 | -64.7% | 0.1% |
| ANGEL OAK HOME LOANS LLC | $2,075,000 | $260,000 | -87.5% | 0.1% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $260,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $1,465,000 | $260,000 | -82.3% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $2,070,000 | $260,000 | -87.4% | 0.1% |
| CRESCENT MORTGAGE COMPANY | $255,000 | n/a | 0.1% | |
| NP, Inc. | $255,000 | n/a | 0.1% | |
| AMERICAN ADVISORS GROUP | $35,000 | $240,000 | 585.7% | 0.1% |
| AMERIFIRST FINANCIAL CORPORATION | $235,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $235,000 | $235,000 | 0.0% | 0.1% |
| Palmetto Citizens Federal Credit Union | $475,000 | $230,000 | -51.6% | 0.1% |
| DIRECT MORTGAGE LOANS, LLC | $290,000 | $225,000 | -22.4% | 0.1% |
| UNION HOME MORTGAGE CORP. | $195,000 | $225,000 | 15.4% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $665,000 | $210,000 | -68.4% | 0.1% |
| First Reliance Bank | $375,000 | $210,000 | -44.0% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $205,000 | n/a | 0.1% | |
| SOUTHERN TRUST MORTGAGE, LLC | $205,000 | n/a | 0.1% | |
| BAY EQUITY LLC | $495,000 | $200,000 | -59.6% | 0.1% |
| M&T Bank | $35,000 | $200,000 | 471.4% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $195,000 | n/a | 0.1% | |
| Lakeview Community Capital, LLC | $355,000 | $195,000 | -45.1% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $165,000 | $195,000 | 18.2% | 0.1% |
| Renasant Bank | $1,900,000 | $195,000 | -89.7% | 0.1% |
| Princeton Mortgage Corporation | $185,000 | n/a | 0.1% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $175,000 | $185,000 | 5.7% | 0.1% |
| MICHIGAN MUTUAL, INC. | $175,000 | n/a | 0.1% | |
| The Federal Savings Bank | $470,000 | $175,000 | -62.8% | 0.1% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $165,000 | n/a | 0.1% | |
| UTILITIES EMPLOYEES CREDIT UNION | $165,000 | n/a | 0.1% | |
| WRIGHT-PATT CREDIT UNION, INC. | $165,000 | n/a | 0.1% | |
| Colten Mortgage, LLC | $565,000 | $155,000 | -72.6% | 0.1% |
| DELMAR FINANCIAL COMPANY | $155,000 | n/a | 0.1% | |
| Mortgage Network, Inc. | $325,000 | $155,000 | -52.3% | 0.1% |
| HOME TOWN FUNDING, INC. | $145,000 | n/a | 0.1% | |
| LIBERTY HOME MORTGAGE CORPORATION | $145,000 | n/a | 0.1% | |
| CONTOUR MORTGAGE CORPORATION | $135,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $135,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $360,000 | $135,000 | -62.5% | 0.1% |
| Secured Investment Corp. | $45,000 | $135,000 | 200.0% | 0.1% |
| EQUITY RESOURCES, INC. | $125,000 | n/a | 0.1% | |
| FINANCE OF AMERICA MORTGAGE LLC | $125,000 | n/a | 0.1% | |
| First Community Bank | $380,000 | $125,000 | -67.1% | 0.1% |
| ROSS MORTGAGE CORPORATION | $125,000 | n/a | 0.1% | |
| VILLAGE CAPITAL MORTGAGE | $2,800,000 | $125,000 | -95.5% | 0.1% |
| Boeing Employees Credit Union | $115,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $1,965,000 | $115,000 | -94.1% | 0.1% |
| Sunflower Bank | $115,000 | n/a | 0.1% | |
| BAYER HERITAGE | $165,000 | $105,000 | -36.4% | 0.1% |
| HOMESTAR FINANCIAL CORPORATION | $240,000 | $105,000 | -56.3% | 0.1% |
| Leader Bank | $105,000 | n/a | 0.1% | |
| Southwest Airlines Federal Credit Union | $105,000 | n/a | 0.1% | |
| Arthur State Bank | $185,000 | $100,000 | -45.9% | 0.1% |
| Discover Bank | $125,000 | $100,000 | -20.0% | 0.1% |
| KeyBank | $95,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $390,000 | $95,000 | -75.6% | 0.1% |
| SOUTHWEST FUNDING, LP | $280,000 | $95,000 | -66.1% | 0.1% |
| First Home Bank | $85,000 | n/a | 0.0% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $85,000 | n/a | 0.0% | |
| MidFirst Bank | $75,000 | n/a | 0.0% | |
| SRP Federal Credit Union | $115,000 | $70,000 | -39.1% | 0.0% |
| BECKAM FUNDING CORP. | $65,000 | n/a | 0.0% | |
| George Mason Mortgage, LLC | $65,000 | n/a | 0.0% | |
| HSBC BANK USA, NATIONAL ASSOCIATION | $65,000 | n/a | 0.0% | |
| MTC Federal Credit Union | $45,000 | $65,000 | 44.4% | 0.0% |
| Plains Commerce Bank | $65,000 | n/a | 0.0% | |
| First Financial Bank | $55,000 | n/a | 0.0% | |
| SHELTER LENDING SERVICES, L.L.C. | $55,000 | n/a | 0.0% | |
| ALLSOUTH | $490,000 | $25,000 | -94.9% | 0.0% |
| The Citizens Bank | $575,000 | $25,000 | -95.7% | 0.0% |
Orangeburg's top lender by overall market share is South State Bank, with 6.7% market share. In second place, with 5.5%, is QUICKEN LOANS, LLC, having originated $10,465,000 in loans. In third place, with 5.2%, is First-Citizens Bank & Trust Company, having originated $9,955,000 in loans. In fourth place, with 4.0%, is Mortgage Research Center, LLC, having originated $7,520,000 in loans. In fifth place, with 3.1%, is 21ST MORTGAGE CORPORATION, having originated $5,955,000 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 | $131,200 (-6.2%) | $173,912 (0.2%) | 0.00 | 340 |
| 2018-02-01 | $135,400 (-0.6%) | $181,292 (5.4%) | 0.00 | 344 |
| 2018-03-01 | $139,000 (3.9%) | $184,586 (7.5%) | 0.00 | 348 |
| 2018-04-01 | $138,000 (2.3%) | $185,176 (6.6%) | 0.00 | 365 |
| 2018-05-01 | $139,450 (0.7%) | $187,313 (4.5%) | 0.00 | 358 |
| 2018-06-01 | $139,500 (1.3%) | $188,276 (5.2%) | 0.00 | 360 |
| 2018-07-01 | $139,900 (0.4%) | $186,529 (5.1%) | 0.00 | 377 |
| 2018-08-01 | $146,220 (9.5%) | $190,109 (13.2%) | 0.00 | 386 |
| 2018-09-01 | $148,990 (11.2%) | $190,607 (12.2%) | 0.00 | 392 |
| 2018-10-01 | $146,345 (12.6%) | $187,375 (12.9%) | 0.00 | 388 |
| 2018-11-01 | $145,000 (11.1%) | $192,621 (14.3%) | 0.00 | 386 |
| 2018-12-01 | $142,250 (9.0%) | $188,359 (12.2%) | 0.00 | 373 |
| 2019-01-01 | $145,900 (11.2%) | $193,349 (11.2%) | 0.00 | 346 |
| 2019-02-01 | $149,700 (10.6%) | $198,464 (9.5%) | 0.00 | 344 |
| 2019-03-01 | $157,000 (13.0%) | $203,617 (10.3%) | 0.00 | 358 |
| 2019-04-01 | $163,750 (18.7%) | $208,001 (12.3%) | 0.00 | 369 |
| 2019-05-01 | $159,800 (14.6%) | $207,088 (10.6%) | 0.00 | 375 |
| 2019-06-01 | $159,900 (14.6%) | $203,806 (8.3%) | 0.00 | 365 |
| 2019-07-01 | $160,950 (15.1%) | $206,626 (10.8%) | 0.00 | 358 |
| 2019-08-01 | $167,509 (14.6%) | $211,043 (11.0%) | 0.00 | 339 |
| 2019-09-01 | $168,348 (13.0%) | $212,428 (11.5%) | 0.00 | 319 |
| 2019-10-01 | $169,350 (15.7%) | $214,616 (14.5%) | 0.00 | 304 |
| 2019-11-01 | $196,500 (35.5%) | $235,877 (22.5%) | 0.00 | 228 |
| 2019-12-01 | $177,475 (24.8%) | $233,145 (23.8%) | 0.00 | 230 |
| 2020-01-01 | $169,900 (16.5%) | $229,161 (18.5%) | 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 (23.9%) | 0.00 | 159 |
| 2020-07-01 | $199,000 (23.6%) | $273,747 (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 | $238,825 (47.7%) | $312,257 (34.2%) | 0.00 | 106 |
| 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 | $235,750 (46.3%) | $270,961 (15.0%) | 0.00 | 76 |
| 2022-04-01 | $238,500 (32.5%) | $259,933 (-4.4%) | 0.00 | 81 |
| 2022-05-01 | $273,100 (56.1%) | $280,129 (-11.8%) | 0.00 | 89 |
| 2022-06-01 | $310,850 (76.8%) | $306,932 (3.9%) | 0.00 | 100 |
| 2022-07-01 | $326,900 (47.3%) | $308,472 (-0.2%) | 0.00 | 130 |
| 2022-08-01 | $316,218 (83.4%) | $307,347 (2.7%) | 0.00 | 122 |
| 2022-09-01 | $320,454 (81.8%) | $323,154 (9.4%) | 0.00 | 120 |
| 2022-10-01 | $310,450 (38.0%) | $328,685 (6.3%) | 0.00 | 131 |
| 2022-11-01 | $299,500 (25.4%) | $336,667 (7.8%) | 0.00 | 116 |
| 2022-12-01 | $291,400 (22.0%) | $320,729 (6.4%) | 0.00 | 126 |
| 2023-01-01 | $295,725 (27.9%) | $323,360 (15.8%) | 0.00 | 126 |
| 2023-02-01 | $267,450 (15.0%) | $297,701 (9.5%) | 0.00 | 133 |
Orangeburg's median listing price comes in at 0% of the national average.
Orangeburg's average listing price for 2023-02-01 was $297,701, a difference of $25,841 (9.5%) versus the prior year and $-25,659 versus the prior month.
For the 2023-02-01 period, Orangeburg had 133 MLS listings, a difference of 7 listings (6%) versus the prior month and 41 listings (45%) 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 | 1,806 sqft |
| 2018-02-01 | 0 days | 1,845 sqft |
| 2018-03-01 | 0 days | 1,838 sqft |
| 2018-04-01 | 0 days | 1,855 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 | 1,780 sqft |
| 2018-11-01 | 0 days | 1,768 sqft |
| 2018-12-01 | 0 days | 1,735 sqft |
| 2019-01-01 | 0 days | 1,726 sqft |
| 2019-02-01 | 0 days | 1,803 sqft |
| 2019-03-01 | 0 days | 1,811 sqft |
| 2019-04-01 | 0 days | 1,807 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 | 1,941 sqft |
| 2021-07-01 | 0 days | 1,905 sqft |
| 2021-08-01 | 0 days | 1,748 sqft |
| 2021-09-01 | 0 days | 1,779 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 | 1,947 sqft |
| 2022-04-01 | 0 days | 1,919 sqft |
| 2022-05-01 | 0 days | 2,073 sqft |
| 2022-06-01 | 0 days | 2,168 sqft |
| 2022-07-01 | 0 days | 2,150 sqft |
| 2022-08-01 | 0 days | 2,125 sqft |
| 2022-09-01 | 0 days | 2,083 sqft |
| 2022-10-01 | 0 days | 2,095 sqft |
| 2022-11-01 | 0 days | 2,103 sqft |
| 2022-12-01 | 0 days | 2,052 sqft |
| 2023-01-01 | 0 days | 1,975 sqft |
| 2023-02-01 | 0 days | 1,931 sqft |
Orangeburg's median square footage for active listings during the 2023-02-01 period was 1,931 sqft. One year prior, the average listing was 2,010 sqft.
Orangeburg, SC Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 670 | $133,820,000 | $199,731 |
| Cash Out Refi | 172 | $27,160,000 | $157,907 |
| Refi | 131 | $18,795,000 | $143,473 |
| Home Improvement | 51 | $4,415,000 | $86,569 |
| Other | 50 | $5,650,000 | $113,000 |
Orangeburg's most frequently cited loan purpose was Home Purchase, with 670 originations. The 2nd most popular reason was Cash Out Refi, with 172 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 261 | $50,435,000 | $193,238 |
| 3-4% | 230 | $42,300,000 | $183,913 |
| 4-5% | 206 | $42,060,000 | $204,175 |
| 6-7% | 121 | $20,205,000 | $166,983 |
| Over 8% | 82 | $8,830,000 | $107,683 |
| 2.5-3% | 66 | $11,400,000 | $172,727 |
| 7-8% | 49 | $7,765,000 | $158,469 |
| <2.5% | 23 | $2,335,000 | $101,522 |
During 2022, Orangeburg's most frequently originated rate bucket was 5-6%, with 261 originations.
Loan Sizing (Orangeburg, SC MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 444 | $65,080,000 | $146,577 |
| $200k-400k | 301 | $81,345,000 | $270,249 |
| $100,000 or less | 283 | $18,165,000 | $64,187 |
| $400k-600k | 31 | $14,435,000 | $465,645 |
| $600k-1000k | 14 | $9,580,000 | $684,286 |
| $Over $1MM | 1 | $1,235,000 | $1,235,000 |
Orangeburg's loan sizing saw the bucket of loans from $100k-200k with 444 originations, totaling $65,080,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 566 | $116,670,000 | $206,131 |
| 60-80% | 214 | $39,990,000 | $186,869 |
| 40-60% | 113 | $15,425,000 | $136,504 |
| 20-40% | 74 | $6,380,000 | $86,216 |
| Under 20% | 52 | $1,930,000 | $37,115 |
| Over 100% | 19 | $4,685,000 | $246,579 |
Orangeburg's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 566 originations, totaling $116,670,000 in origination value.