Orangeburg Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Orangeburg averaged
7%
for the week of 2025-06-26, compared to the national average of
6.77% for the same period.
The average rate for the prior week (2025-06-18) was
6.84% and
one month ago for the week of 2025-05-22, the
average rate was 7.29%.
Orangeburg's average rate one year ago was 7.1%.
For refis of the same type during the week of 2025-06-26, the average rate
was 6.67%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-26 | 6.77% |
| Orangeburg 30 Year Fixed Rate | 2025-06-26 | 7% |
| Orangeburg 30 Year Fixed Rate Refi | 2025-06-26 | 6.67% |
| Orangeburg 15 Year Fixed Rate | 2025-06-26 | 5.69% |
| Orangeburg 15 Year Fixed Rate Refi | 2025-06-26 | 6.39% |
| Orangeburg 30 Year FHA | 2025-06-26 | 6.05% |
| Orangeburg 30 Year FHA Refi | 2025-06-26 | 6.49% |
| Orangeburg 30 Year USDA | 2025-06-26 | 6.56% |
| Orangeburg 30 Year USDA Refi | 2025-06-26 | 6.26% |
| Orangeburg 30 Year VA | 2025-06-26 | 6.48% |
| Orangeburg 30 Year VA Refi | 2025-06-26 | 6.54% |
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 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, 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.