Seneca Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Seneca averaged 6.64% for the week of 2024-04-11, compared to the national average of 6.88% for the same period.

The average rate for the prior week (2024-04-04) was 6.68% and one month ago for the week of 2024-03-07, the average rate was 6.94%.

Seneca's average rate one year ago was 6.34%.

For refis of the same type during the week of 2024-04-11, the average rate was 7.28%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-04-11 6.88%
Seneca 30 Year Fixed Rate 2024-04-11 6.64%
Seneca 30 Year Fixed Rate Refi 2024-04-11 7.28%
Seneca 15 Year Fixed Rate 2024-04-11 6.06%
Seneca 15 Year Fixed Rate Refi 2024-04-11 6.36%
Seneca 30 Year FHA 2024-04-11 6.34%
Seneca 30 Year FHA Refi 2024-04-11 6.64%
Seneca 30 Year USDA 2024-04-11 6.61%
Seneca 30 Year USDA Refi 2024-04-11 6.51%
Seneca 30 Year VA 2024-04-11 6.6%
Seneca 30 Year VA Refi 2024-04-11 6.37%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Seneca, SC.

Seneca 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 Seneca, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
South State Bank 44 6.94% $7,978
QUICKEN LOANS, LLC 41 6.99% $6,779
ON Q FINANCIAL, INC. 40 6.92% $4,612
UNITED WHOLESALE MORTGAGE, LLC 23 7.20% $6,617
Community First Bank, Inc. 20 6.89% $4,621
NVR Mortgage Finance, Inc. 18 5.96% $4,606
First-Citizens Bank & Trust Company 17 6.14% $6,128
UNION HOME MORTGAGE CORP. 15 7.18% $5,695
Bank of America 15 6.55% $5,699
PRIMELENDING, A PLAINSCAPITAL COMPANY 15 6.65% $7,299
BANKSOUTH MORTGAGE COMPANY, LLC 13 6.45% $6,793
FBC MORTGAGE, LLC 13 6.51% $4,850
MOVEMENT MORTGAGE, LLC 12 7.03% $6,864
Wells Fargo Bank 12 6.92% $3,335
JPMorgan Chase Bank 10 6.71% $5,749
DHI MORTGAGE COMPANY, LTD. 10 5.18% $3,220
Ameris Bank 9 7.18% $5,076
Southern First Bank 7 6.90% $4,673
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 7 7.23% $9,270
CROSSCOUNTRY MORTGAGE, LLC 7 7.15% $5,088
SOUTH CAROLINA FEDERAL CREDIT UNION 6 6.15% $8,814
HOWARD HANNA FINANCIAL SERVICES, INC. 6 7.21% $6,368
Truist 6 6.67% $4,941
TD Bank 6 6.13% $4,119
Truliant Federal Credit Union 6 7.02% $4,622
BROKER SOLUTIONS, INC. 5 7.15% $6,371
The Park National Bank 5 6.60% $4,011
First Palmetto Bank 5 6.22% $3,315
Mr. Cooper ( Nationstar Mortgage ) 5 6.42% $7,650
United Community Bank 5 6.85% $8,848
Synovus Bank 5 5.55% $5,589
Morgan Stanley Private Bank 4 5.68% $4,134
CARDINAL FINANCIAL 4 6.81% $5,577
Regions Bank 4 6.28% $4,793
GUILD MORTGAGE COMPANY 3 6.66% $4,391
STATE EMPLOYEES' 3 5.92% $4,561
Blue Ridge Bank 3 7.29% $6,634
ZILLOW HOME LOANS, LLC 3 7.04% $7,605
First Piedmont Federal Savings and Loan Association of Gaffney 3 5.83% $431,928
VANDERBILT MORTGAGE AND FINANCE, INC. 3 8.46% $2,200
U.S. Bank 3 6.71% $11,890
PENNYMAC LOAN SERVICES, LLC 3 6.33% $10,170
GUARANTEED RATE, INC. 3 6.58% $5,837
FIRST COMMUNITY MORTGAGE, INC. 3 7.04% $4,822
INSPIRE HOME LOANS INC. 3 6.33% $7,167
Renasant Bank 2 6.62% $6,038
Charles Schwab Bank, SSB 2 5.79% $3,085
CMG MORTGAGE, INC. 2 7.12% $4,468
Cornerstone First Mortgage, Inc 2 8.00% $8,407
CPM Federal Credit Union 2 6.14% $5,794
First Reliance Bank 2 6.50% $5,486
Flagstar Bank, FSB 2 7.38% $4,300
FOUNDERS FEDERAL CREDIT UNION 2 5.81% $3,309
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 8.25% $9,570
HOMESTAR FINANCIAL CORPORATION 2 6.31% $3,918
LOANDEPOT.COM, LLC 2 6.81% $2,859
LOCAL GOVERNMENT FEDERAL CREDIT UNION 2 6.33% $4,508
MUTUAL OF OMAHA MORTGAGE, INC. 2 6.63% $6,264
NAVY FEDERAL CREDIT UNION 2 5.94% $3,362
NEWREZ LLC 2 6.43% $6,135
NexBank 2 5.88% $7,262
PLAZA HOME MORTGAGE, INC. 2 6.94% $7,804
Prosperity Home Mortgage, LLC 2 6.13% $12,857
RAPID MORTGAGE COMPANY 2 6.81% $4,627
21ST MORTGAGE CORPORATION 2 8.74% $5,897
ROYAL UNITED MORTGAGE LLC 2 7.75% $7,439
S. C. STATE FEDERAL CREDIT UNION 2 6.38% $1,416
TOWNE MORTGAGE COMPANY 2 6.88% $9,534
United Bank 2 7.93% $6,437
USAA Federal Savings Bank 2 6.50% $6,175
LIBERTY HOME MORTGAGE CORPORATION 1 6.63% $7,036
TOTAL MORTGAGE SERVICES, LLC 1 5.50% $35,368
Alcova Mortgage LLC 1 6.99% $3,510
MASSMUTUAL 1 5.50% $9,160
Equity Prime Mortgage LLC 1 7.00% $2,081
Mortgage Assurance Inc. 1 6.38% $3,684
Mortgage Research Center, LLC 1 5.88% $6,754
EMBRACE HOME LOANS, INC. 1 5.75% $8,683
DELTA COMMUNITY CREDIT UNION 1 5.88% $6,097
AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.25% $8,291
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.38% $8,833
Network Funding, L.P. 1 7.00% $7,509
UBS Bank USA 1 6.38% $10,661
American Mortgage & Equity Consultants, Inc. 1 7.63% $5,324
Northpointe Bank 1 7.49% $3,508
Northwest Federal Credit Union 1 6.88% $3,874
NP, Inc. 1 9.75% $23,887
DELMAR FINANCIAL COMPANY 1 7.49% $3,854
Deere Employees Credit Union 1 6.75% $3,725
CREDIT UNION FINANCIAL SERVICES, LLC 1 6.25% $13,568
PENTAGON FEDERAL CREDIT UNION 1 5.75% $2,317
Plains Commerce Bank 1 7.13% $3,810
Union Savings Bank 1 5.88% $3,886
PNC Bank 1 5.75% $3,230
Countybank 1 4.63% $4,465
AgFirst Farm Credit Bank 1 7.38% $11,126
Coastal Carolina National Bank 1 5.63% $3,209
AMERICAN HERITAGE LENDING, INC. 1 8.38% $4,730
Raymond James Bank 1 6.25% $3,172
CIBM Bank 1 6.88% $7,595
AMERICAN FINANCIAL NETWORK, INC. 1 6.50% $5,914
RESIDENTIAL HOME FUNDING CORP. 1 6.88% $4,537
ACOPIA, LLC 1 8.00% $18,467
ALLSOUTH 1 6.38% $0
SeaTrust Mortgage Company 1 6.88% $6,272
Sierra Pacific Mortgage Company, Inc. 1 7.50% $4,015
CHURCHILL MORTGAGE CORPORATION 1 6.50% $8,879
SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 6.88% $6,536
Southern Bank and Trust Company 1 5.88% $3,244
BMO Harris Bank 1 6.88% $11,643
Barrington Bank & Trust Company, N.A. 1 7.25% $3,322
BancorpSouth 1 5.75% $3,560
Associated Credit Union 1 5.00% $4,042
Arvest Bank 1 6.88% $9,661
The Dart Bank 1 7.99% $9,096
The Farmers & Merchants State Bank 1 6.50% $3,280
FREEDOM MORTGAGE CORPORATION 1 7.63% $11,599
GENEVA FINANCIAL, LLC 1 6.50% $6,449
George Mason Mortgage, LLC 1 6.88% $6,981
GMFS LLC 1 6.25% $6,987
GSF Mortgage Corporation 1 6.50% $12,189
First Horizon Bank 1 7.38% $4,980
First Community Bank 1 7.25% $6,940
The Federal Savings Bank 1 6.63% $4,260
HOMESIDE FINANCIAL, LLC 1 6.50% $4,643
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 7.88% $1,646
Horizon Bank 1 6.88% $3,248
First Bank 1 5.38% $3,958
FINANCIAL RESOURCES FEDERAL CREDIT UNION 1 5.00% $4,552
INTERCOASTAL MORTGAGE COMPANY 1 6.88% $2,243
Fifth Third Bank 1 6.88% $4,151
KELLER MORTGAGE, LLC 1 7.13% $17,495
Kwik Mortgage Corporation 1 6.00% $3,500

Seneca Average Closing Costs & Other Stats

Seneca, SC's 133 lenders originated 1,499 loans during 2023. The total origination value was $450,385,000, with an average loan value of $300,457.

Seneca's average closing costs are $5,290.

The top Seneca lender as defined by loan originations is South State Bank, with 44 loans originated. Their average total fees are $7,978, which is $1,199 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Seneca lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($3,220), Wells Fargo Bank ($3,335), NVR Mortgage Finance, Inc. ($4,606), ON Q FINANCIAL, INC. ($4,612) and Community First Bank, Inc. ($4,621).

The lowest rate Seneca lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.18%), NVR Mortgage Finance, Inc. (5.96%), First-Citizens Bank & Trust Company (6.14%), BANKSOUTH MORTGAGE COMPANY, LLC (6.45%) and FBC MORTGAGE, LLC (6.51%).

Seneca, 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
South State Bank $76,695,000 $38,830,000 -49.4% 8.6%
QUICKEN LOANS, LLC $35,275,000 $19,785,000 -43.9% 4.4%
First-Citizens Bank & Trust Company $19,450,000 $18,455,000 -5.1% 4.1%
ON Q FINANCIAL, INC. $42,255,000 $14,905,000 -64.7% 3.3%
Bank of America $12,145,000 $14,710,000 21.1% 3.3%
LIMA ONE CAPITAL, LLC $830,000 $11,275,000 1,258.4% 2.5%
UNITED WHOLESALE MORTGAGE, LLC $12,900,000 $11,125,000 -13.8% 2.5%
TD Bank $15,860,000 $8,560,000 -46.0% 1.9%
JPMorgan Chase Bank $5,215,000 $8,520,000 63.4% 1.9%
S. C. STATE FEDERAL CREDIT UNION $8,735,000 $8,345,000 -4.5% 1.9%
Synovus Bank $10,130,000 $8,255,000 -18.5% 1.8%
BANKSOUTH MORTGAGE COMPANY, LLC $14,060,000 $7,600,000 -45.9% 1.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $11,425,000 $7,600,000 -33.5% 1.7%
NVR Mortgage Finance, Inc. $1,565,000 $7,225,000 361.7% 1.6%
PRIMELENDING, A PLAINSCAPITAL COMPANY $3,560,000 $7,040,000 97.8% 1.6%
FBC MORTGAGE, LLC $1,900,000 $6,665,000 250.8% 1.5%
Mortgage Research Center, LLC $8,750,000 $6,480,000 -25.9% 1.4%
UNION HOME MORTGAGE CORP. $1,870,000 $6,325,000 238.2% 1.4%
Truist $8,560,000 $6,260,000 -26.9% 1.4%
Truliant Federal Credit Union $1,035,000 $6,220,000 501.0% 1.4%
Ameris Bank $6,410,000 $5,480,000 -14.5% 1.2%
MOVEMENT MORTGAGE, LLC $5,695,000 $4,885,000 -14.2% 1.1%
United Community Bank $10,185,000 $4,740,000 -53.5% 1.1%
Community First Bank, Inc. $12,940,000 $4,425,000 -65.8% 1.0%
BankSouth $105,000 $4,230,000 3,928.6% 0.9%
Southern First Bank $15,900,000 $4,195,000 -73.6% 0.9%
Wells Fargo Bank $15,425,000 $3,955,000 -74.4% 0.9%
AgFirst Farm Credit Bank $6,390,000 $3,865,000 -39.5% 0.9%
Charles Schwab Bank, SSB $5,190,000 $3,705,000 -28.6% 0.8%
CROSSCOUNTRY MORTGAGE, LLC $5,340,000 $3,660,000 -31.5% 0.8%
NAVY FEDERAL CREDIT UNION $4,800,000 $3,575,000 -25.5% 0.8%
DHI MORTGAGE COMPANY, LTD. $2,820,000 $3,495,000 23.9% 0.8%
CARDINAL FINANCIAL $5,360,000 $3,295,000 -38.5% 0.7%
Morgan Stanley Private Bank $4,340,000 $3,295,000 -24.1% 0.7%
First Palmetto Bank $7,560,000 $3,225,000 -57.3% 0.7%
U.S. Bank $7,595,000 $3,225,000 -57.5% 0.7%
21ST MORTGAGE CORPORATION $2,490,000 $3,095,000 24.3% 0.7%
PENNYMAC LOAN SERVICES, LLC $5,230,000 $3,060,000 -41.5% 0.7%
SOUTH CAROLINA FEDERAL CREDIT UNION $760,000 $3,020,000 297.4% 0.7%
UBS Bank USA $2,310,000 $2,995,000 29.7% 0.7%
First Community Bank $435,000 $2,755,000 533.3% 0.6%
FineMark National Bank & Trust $2,645,000 n/a 0.6%
ACOPIA, LLC $1,235,000 $2,570,000 108.1% 0.6%
First Piedmont Federal Savings and Loan Association of Gaffney $605,000 $2,335,000 286.0% 0.5%
EMBRACE HOME LOANS, INC. $1,720,000 $2,220,000 29.1% 0.5%
USAA Federal Savings Bank $910,000 $2,200,000 141.8% 0.5%
FREEDOM MORTGAGE CORPORATION $4,005,000 $2,075,000 -48.2% 0.5%
S. C. TELCO $6,005,000 $2,040,000 -66.0% 0.5%
PNC Bank $3,180,000 $2,025,000 -36.3% 0.4%
The Park National Bank $3,410,000 $2,025,000 -40.6% 0.4%
United Bank $95,000 $1,990,000 1,994.7% 0.4%
BROKER SOLUTIONS, INC. $2,400,000 $1,905,000 -20.6% 0.4%
HOWARD HANNA FINANCIAL SERVICES, INC. $1,810,000 n/a 0.4%
GUARANTEED RATE, INC. $2,700,000 $1,690,000 -37.4% 0.4%
CMG MORTGAGE, INC. $4,360,000 $1,680,000 -61.5% 0.4%
NEWREZ LLC $1,090,000 $1,675,000 53.7% 0.4%
Regions Bank $2,765,000 $1,670,000 -39.6% 0.4%
First Bank $1,450,000 $1,605,000 10.7% 0.4%
The Dart Bank $1,605,000 n/a 0.4%
Bank of Travelers Rest $1,750,000 $1,560,000 -10.9% 0.3%
First National Bank of Pennsylvania $1,005,000 $1,560,000 55.2% 0.3%
FINANCE OF AMERICA REVERSE LLC $920,000 $1,490,000 62.0% 0.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $2,825,000 $1,490,000 -47.3% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $580,000 $1,465,000 152.6% 0.3%
Mr. Cooper ( Nationstar Mortgage ) $3,410,000 $1,440,000 -57.8% 0.3%
LOANDEPOT.COM, LLC $12,205,000 $1,365,000 -88.8% 0.3%
HomeTrust Bank $1,710,000 $1,345,000 -21.3% 0.3%
The Federal Savings Bank $1,320,000 n/a 0.3%
LENDINGHOME FUNDING CORPORATION $615,000 $1,310,000 113.0% 0.3%
STATE EMPLOYEES' $3,370,000 $1,280,000 -62.0% 0.3%
PENTAGON FEDERAL CREDIT UNION $200,000 $1,275,000 537.5% 0.3%
TOWNE MORTGAGE COMPANY $2,285,000 $1,275,000 -44.2% 0.3%
FOUNDERS FEDERAL CREDIT UNION $2,545,000 $1,215,000 -52.3% 0.3%
INSPIRE HOME LOANS INC. $510,000 $1,215,000 138.2% 0.3%
FIRST COMMUNITY MORTGAGE, INC. $1,160,000 n/a 0.3%
ZILLOW HOME LOANS, LLC $1,150,000 n/a 0.3%
GSF Mortgage Corporation $1,125,000 n/a 0.2%
Renasant Bank $3,740,000 $1,110,000 -70.3% 0.2%
TOTAL MORTGAGE SERVICES, LLC $235,000 $1,085,000 361.7% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,555,000 $1,045,000 -32.8% 0.2%
Union Savings Bank $1,045,000 n/a 0.2%
Citizens Bank $1,815,000 $1,035,000 -43.0% 0.2%
Prosperity Home Mortgage, LLC $125,000 $985,000 688.0% 0.2%
CRESCENT MORTGAGE COMPANY $355,000 $960,000 170.4% 0.2%
TRIAD FINANCIAL SERVICES, INC. $170,000 $930,000 447.1% 0.2%
First Horizon Bank $2,145,000 $905,000 -57.8% 0.2%
Lake Forest Bank & Trust $905,000 n/a 0.2%
HOMESTAR FINANCIAL CORPORATION $11,005,000 $900,000 -91.8% 0.2%
CPM Federal Credit Union $290,000 $895,000 208.6% 0.2%
Northpointe Bank $3,045,000 $860,000 -71.8% 0.2%
LOCAL GOVERNMENT FEDERAL CREDIT UNION $850,000 n/a 0.2%
BMO Harris Bank $845,000 n/a 0.2%
Blue Ridge Bank $1,315,000 $815,000 -38.0% 0.2%
Cornerstone First Mortgage, Inc $810,000 n/a 0.2%
Mountain Commerce Bank $785,000 n/a 0.2%
NexBank $780,000 n/a 0.2%
Countybank $965,000 $745,000 -22.8% 0.2%
EMERY FEDERAL CREDIT UNION $725,000 n/a 0.2%
PLAZA HOME MORTGAGE, INC. $630,000 $720,000 14.3% 0.2%
BM Real Estate Services, Inc. $715,000 n/a 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $715,000 n/a 0.2%
NFM, INC. $275,000 $710,000 158.2% 0.2%
FINANCIAL RESOURCES FEDERAL CREDIT UNION $380,000 $705,000 85.5% 0.2%
Northwest Federal Credit Union $455,000 $705,000 54.9% 0.2%
NP, Inc. $705,000 n/a 0.2%
American Mortgage & Equity Consultants, Inc. $695,000 n/a 0.2%
Oconee State Bank $695,000 n/a 0.2%
Waterstone Mortgage Corporation $575,000 $690,000 20.0% 0.2%
Commerce Home Mortgage, Inc. $675,000 n/a 0.1%
Kwik Mortgage Corporation $675,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $1,605,000 $670,000 -58.3% 0.1%
The Central Trust Bank $1,410,000 $665,000 -52.8% 0.1%
1ST SIGNATURE LENDING, LLC $420,000 $655,000 56.0% 0.1%
GREENVILLE FEDERAL CREDIT UNION $310,000 $655,000 111.3% 0.1%
KELLER MORTGAGE, LLC $1,360,000 $655,000 -51.8% 0.1%
Arvest Bank $635,000 $595,000 -6.3% 0.1%
NEW DAY FINANCIAL, LLC $2,020,000 $585,000 -71.0% 0.1%
PLANET HOME LENDING, LLC $345,000 $580,000 68.1% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $1,070,000 $565,000 -47.2% 0.1%
Fifth Third Bank $2,845,000 $560,000 -80.3% 0.1%
Flagstar Bank, FSB $2,310,000 $560,000 -75.8% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $555,000 n/a 0.1%
Carrington Mortgage Services, LLC $1,265,000 $545,000 -56.9% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $585,000 $535,000 -8.5% 0.1%
GUILD MORTGAGE COMPANY $2,665,000 $530,000 -80.1% 0.1%
Stifel Bank and Trust $245,000 $505,000 106.1% 0.1%
NBKC BANK $1,045,000 $495,000 -52.6% 0.1%
Discover Bank $710,000 $480,000 -32.4% 0.1%
American Security Mortgage Corp. $205,000 $475,000 131.7% 0.1%
First Reliance Bank $2,640,000 $470,000 -82.2% 0.1%
George Mason Mortgage, LLC $255,000 $455,000 78.4% 0.1%
Woodruff Federal Savings and Loan Association $455,000 n/a 0.1%
Bethpage Federal Credit Union $450,000 n/a 0.1%
Raymond James Bank $335,000 $445,000 32.8% 0.1%
SOUTHWEST STAGE FUNDING, LLC $470,000 $445,000 -5.3% 0.1%
FIRST TECHNOLOGY $435,000 n/a 0.1%
RAPID MORTGAGE COMPANY $435,000 n/a 0.1%
HOMEXPRESS MORTGAGE CORP. $425,000 n/a 0.1%
Equity Prime Mortgage LLC $175,000 $420,000 140.0% 0.1%
NTFN, INC. $415,000 n/a 0.1%
COUNTRYPLACE MORTGAGE, LTD. $1,020,000 $410,000 -59.8% 0.1%
SeaTrust Mortgage Company $1,050,000 $410,000 -61.0% 0.1%
AMERICAN HERITAGE LENDING, INC. $385,000 n/a 0.1%
CIBM Bank $385,000 n/a 0.1%
LONGBRIDGE FINANCIAL, LLC $365,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $635,000 $355,000 -44.1% 0.1%
ROYAL UNITED MORTGAGE LLC $455,000 $355,000 -22.0% 0.1%
Network Funding, L.P. $465,000 $350,000 -24.7% 0.1%
Alcova Mortgage LLC $2,630,000 $345,000 -86.9% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $410,000 $330,000 -19.5% 0.1%
TOP FLITE FINANCIAL, INC. $330,000 n/a 0.1%
HOMEOWNERS FINANCIAL GROUP USA, LLC $935,000 $320,000 -65.8% 0.1%
Deere Employees Credit Union $315,000 n/a 0.1%
The Peoples Bank $1,400,000 $305,000 -78.2% 0.1%
Coastal Carolina National Bank $4,910,000 $295,000 -94.0% 0.1%
MASSMUTUAL $295,000 n/a 0.1%
AMERISAVE MORTGAGE CORPORATION $2,745,000 $290,000 -89.4% 0.1%
Sierra Pacific Mortgage Company, Inc. $2,040,000 $290,000 -85.8% 0.1%
EVERETT FINANCIAL, INC. $2,020,000 $285,000 -85.9% 0.1%
INTERCOASTAL MORTGAGE COMPANY $145,000 $285,000 96.6% 0.1%
The Conway National Bank $280,000 n/a 0.1%
Ally Bank $830,000 $275,000 -66.9% 0.1%
DELTA COMMUNITY CREDIT UNION $530,000 $275,000 -48.1% 0.1%
BancorpSouth $255,000 n/a 0.1%
Century Mortgage Company DBA Century Lending Company $370,000 $255,000 -31.1% 0.1%
CoastalStates Bank $255,000 n/a 0.1%
Anderson Brothers Bank $245,000 n/a 0.1%
FIRST HOME MORTGAGE CORPORATION $245,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $400,000 $240,000 -40.0% 0.1%
COCA-COLA $235,000 n/a 0.1%
CREDIT UNION FINANCIAL SERVICES, LLC $235,000 n/a 0.1%
GMFS LLC $235,000 n/a 0.1%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $3,185,000 $225,000 -92.9% 0.0%
LAKEVIEW LOAN SERVICING, LLC $990,000 $225,000 -77.3% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $215,000 n/a 0.0%
Security Federal Bank $215,000 n/a 0.0%
Allen Tate Mortgage Partners, LLC $195,000 $205,000 5.1% 0.0%
GENEVA FINANCIAL, LLC $205,000 n/a 0.0%
HOMESTEAD FUNDING CORP. $675,000 $205,000 -69.6% 0.0%
Horizon Bank $205,000 n/a 0.0%
Mortgage Assurance Inc. $205,000 n/a 0.0%
Peach State Bank & Trust $205,000 n/a 0.0%
Plains Commerce Bank $470,000 $205,000 -56.4% 0.0%
TOWER $55,000 $205,000 272.7% 0.0%
UNITED $1,440,000 $200,000 -86.1% 0.0%
INTERLINC MORTGAGE SERVICES, LLC $105,000 $195,000 85.7% 0.0%
NEXERA HOLDING LLC $195,000 $195,000 0.0% 0.0%
DELMAR FINANCIAL COMPANY $185,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $185,000 n/a 0.0%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $185,000 n/a 0.0%
Southern Bank and Trust Company $185,000 n/a 0.0%
Pinnacle Bank $3,545,000 $180,000 -94.9% 0.0%
Citadel Servicing Corporation $175,000 n/a 0.0%
First Bank & Trust $165,000 n/a 0.0%
HOMESIDE FINANCIAL, LLC $2,620,000 $165,000 -93.7% 0.0%
LENDSURE MORTGAGE CORP. $175,000 $165,000 -5.7% 0.0%
VILLAGE CAPITAL MORTGAGE $220,000 $165,000 -25.0% 0.0%
SPRING EQ, LLC $35,000 $160,000 357.1% 0.0%
Associated Credit Union $155,000 n/a 0.0%
COMPASS MORTGAGE, INC. $155,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $155,000 n/a 0.0%
RESIDENTIAL HOME FUNDING CORP. $155,000 n/a 0.0%
The Farmers & Merchants State Bank $155,000 n/a 0.0%
ALLSOUTH $135,000 n/a 0.0%
Princeton Mortgage Corporation $125,000 n/a 0.0%
Boeing Employees Credit Union $145,000 $105,000 -27.6% 0.0%
CITIZENS EQUITY FIRST $105,000 n/a 0.0%
GARDNER FINANCIAL SERVICES, LTD. $105,000 n/a 0.0%
UNIVERSITY CREDIT UNION $105,000 n/a 0.0%
VAN DYK MORTGAGE CORPORATION $95,000 n/a 0.0%
Figure Lending LLC $90,000 n/a 0.0%
Connexus Credit Union $85,000 n/a 0.0%
MTC Federal Credit Union $545,000 $75,000 -86.2% 0.0%
Baxter Credit Union $145,000 $65,000 -55.2% 0.0%
CORNING $65,000 n/a 0.0%
GTE Federal Credit Union $55,000 n/a 0.0%
HONDA Federal Credit Union $65,000 $55,000 -15.4% 0.0%
Pinnacle Bank $3,545,000 $55,000 -98.4% 0.0%

Seneca's top lender by overall market share is South State Bank, with 8.6% market share. In second place, with 4.4%, is QUICKEN LOANS, LLC, having originated $19,785,000 in loans. In third place, with 4.1%, is First-Citizens Bank & Trust Company, having originated $18,455,000 in loans. In fourth place, with 3.3%, is ON Q FINANCIAL, INC., having originated $14,905,000 in loans. In fifth place, with 3.3%, is Bank of America, having originated $14,710,000 in loans.


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

Realtor.com - Seneca (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 $249,000 (2.0%) $403,462 (4.3%) 0.00 547
2018-02-01 $249,900 (4.7%) $411,046 (8.5%) 0.00 548
2018-03-01 $272,450 (14.2%) $443,408 (16.1%) 0.00 594
2018-04-01 $282,450 (17.9%) $432,103 (12.6%) 0.00 622
2018-05-01 $285,000 (19.0%) $430,410 (10.3%) 0.00 613
2018-06-01 $280,000 (18.2%) $429,551 (11.6%) 0.00 633
2018-07-01 $289,350 (21.1%) $449,959 (15.3%) 0.00 639
2018-08-01 $289,000 (16.3%) $440,292 (11.6%) 0.00 635
2018-09-01 $279,900 (12.4%) $439,637 (11.0%) 0.00 637
2018-10-01 $279,000 (11.9%) $442,514 (12.1%) 0.00 624
2018-11-01 $275,000 (10.0%) $437,728 (8.2%) 0.00 617
2018-12-01 $274,500 (10.3%) $433,917 (9.4%) 0.00 574
2019-01-01 $274,950 (10.4%) $444,551 (10.2%) 0.00 545
2019-02-01 $269,945 (8.0%) $465,531 (13.3%) 0.00 550
2019-03-01 $280,400 (2.9%) $485,109 (9.4%) 0.00 515
2019-04-01 $297,000 (5.2%) $492,221 (13.9%) 0.00 468
2019-05-01 $299,475 (5.1%) $507,577 (17.9%) 0.00 471
2019-06-01 $310,000 (10.7%) $514,069 (19.7%) 0.00 469
2019-07-01 $294,450 (1.8%) $493,191 (9.6%) 0.00 460
2019-08-01 $291,727 (0.9%) $487,055 (10.6%) 0.00 452
2019-09-01 $295,818 (5.7%) $493,294 (12.2%) 0.00 433
2019-10-01 $304,475 (9.1%) $508,002 (14.8%) 0.00 419
2019-11-01 $319,450 (16.2%) $519,744 (18.7%) 0.00 408
2019-12-01 $300,000 (9.3%) $496,401 (14.4%) 0.00 383
2020-01-01 $299,725 (9.0%) $484,777 (9.1%) 0.00 357
2020-02-01 $295,000 (9.3%) $479,298 (3.0%) 0.00 337
2020-03-01 $299,950 (7.0%) $504,563 (4.0%) 0.00 341
2020-04-01 $300,000 (1.0%) $488,314 (-0.8%) 0.00 338
2020-05-01 $300,000 (0.2%) $504,753 (-0.6%) 0.00 331
2020-06-01 $299,800 (-3.3%) $528,353 (2.8%) 0.00 303
2020-07-01 $305,000 (3.6%) $522,541 (6.0%) 0.00 263
2020-08-01 $300,000 (2.8%) $523,577 (7.5%) 0.00 247
2020-09-01 $299,950 (1.4%) $531,680 (7.8%) 0.00 221
2020-10-01 $299,000 (-1.8%) $535,438 (5.4%) 0.00 204
2020-11-01 $299,669 (-6.2%) $531,351 (2.2%) 0.00 183
2020-12-01 $292,624 (-2.5%) $510,830 (2.9%) 0.00 176
2021-01-01 $290,950 (-2.9%) $510,037 (5.2%) 0.00 160
2021-02-01 $295,000 (0.0%) $569,473 (18.8%) 0.00 149
2021-03-01 $325,000 (8.4%) $597,871 (18.5%) 0.00 139
2021-04-01 $342,000 (14.0%) $608,075 (24.5%) 0.00 122
2021-05-01 $339,900 (13.3%) $566,665 (12.3%) 0.00 118
2021-06-01 $344,975 (15.1%) $538,015 (1.8%) 0.00 146
2021-07-01 $329,500 (8.0%) $514,443 (-1.6%) 0.00 170
2021-08-01 $347,000 (15.7%) $559,686 (6.9%) 0.00 174
2021-09-01 $344,075 (14.7%) $538,533 (1.3%) 0.00 168
2021-10-01 $324,900 (8.7%) $521,635 (-2.6%) 0.00 154
2021-11-01 $315,901 (5.4%) $518,398 (-2.4%) 0.00 182
2021-12-01 $302,546 (3.4%) $505,095 (-1.1%) 0.00 166
2022-01-01 $280,940 (-3.4%) $514,122 (0.8%) 0.00 150
2022-02-01 $296,225 (0.4%) $502,416 (-11.8%) 0.00 149
2022-03-01 $312,500 (-3.9%) $559,225 (-6.5%) 0.00 147
2022-04-01 $341,133 (-0.3%) $565,689 (-7.0%) 0.00 165
2022-05-01 $346,816 (2.0%) $587,930 (3.8%) 0.00 207
2022-06-01 $350,138 (1.5%) $616,935 (14.7%) 0.00 222
2022-07-01 $354,258 (7.5%) $642,234 (24.8%) 0.00 261
2022-08-01 $360,337 (3.8%) $676,718 (20.9%) 0.00 293
2022-09-01 $349,050 (1.5%) $653,850 (21.4%) 0.00 294
2022-10-01 $347,348 (6.9%) $637,430 (22.2%) 0.00 299
2022-11-01 $366,655 (16.1%) $678,663 (30.9%) 0.00 289
2022-12-01 $363,294 (20.1%) $647,173 (28.1%) 0.00 279
2023-01-01 $362,000 (28.9%) $603,057 (17.3%) 0.00 267
2023-02-01 $359,950 (21.5%) $624,887 (24.4%) 0.00 254
2023-03-01 $393,950 (26.1%) $710,980 (27.1%) 0.00 244
2023-04-01 $393,600 (15.4%) $715,641 (26.5%) 0.00 216
2023-05-01 $415,175 (19.7%) $731,171 (24.4%) 0.00 222
2023-06-01 $406,175 (16.0%) $700,307 (13.5%) 0.00 223
2023-07-01 $375,000 (5.9%) $655,615 (2.1%) 0.00 217
2023-08-01 $376,500 (4.5%) $643,553 (-4.9%) 0.00 243
2023-09-01 $399,000 (14.3%) $670,027 (2.5%) 0.00 250
2023-10-01 $394,500 (13.6%) $639,898 (0.4%) 0.00 281
2023-11-01 $382,225 (4.3%) $610,390 (-10.1%) 0.00 292
2023-12-01 $374,500 (3.1%) $593,439 (-8.3%) 0.00 293
2024-01-01 $358,750 (-0.9%) $574,095 (-4.8%) 0.00 297
2024-02-01 $358,225 (-0.5%) $562,928 (-9.9%) 0.00 284
2024-03-01 $400,000 (1.5%) $596,647 (-16.1%) 0.00 305
Seneca's median listing price for 2024-03-01 was $400,000, a difference of $6,050 (1.5%) versus the prior year and $41,775 versus the prior month.

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

Seneca's average listing price for 2024-03-01 was $596,647, a difference of $-114,333 (-16.1%) versus the prior year and $33,719 versus the prior month.

For the 2024-03-01 period, Seneca had 305 MLS listings, a difference of 21 listings (7%) versus the prior month and 61 listings (25%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Seneca (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,454 sqft
2018-02-01 0 days 2,433 sqft
2018-03-01 0 days 2,500 sqft
2018-04-01 0 days 2,548 sqft
2018-05-01 0 days 2,600 sqft
2018-06-01 0 days 2,533 sqft
2018-07-01 0 days 2,598 sqft
2018-08-01 0 days 2,587 sqft
2018-09-01 0 days 2,548 sqft
2018-10-01 0 days 2,545 sqft
2018-11-01 0 days 2,458 sqft
2018-12-01 0 days 2,438 sqft
2019-01-01 0 days 2,382 sqft
2019-02-01 0 days 2,305 sqft
2019-03-01 0 days 2,320 sqft
2019-04-01 0 days 2,399 sqft
2019-05-01 0 days 2,523 sqft
2019-06-01 0 days 2,557 sqft
2019-07-01 0 days 2,499 sqft
2019-08-01 0 days 2,508 sqft
2019-09-01 0 days 2,524 sqft
2019-10-01 0 days 2,655 sqft
2019-11-01 0 days 2,746 sqft
2019-12-01 0 days 2,594 sqft
2020-01-01 0 days 2,569 sqft
2020-02-01 0 days 2,446 sqft
2020-03-01 0 days 2,450 sqft
2020-04-01 0 days 2,448 sqft
2020-05-01 0 days 2,470 sqft
2020-06-01 0 days 2,510 sqft
2020-07-01 0 days 2,546 sqft
2020-08-01 0 days 2,571 sqft
2020-09-01 0 days 2,552 sqft
2020-10-01 0 days 2,400 sqft
2020-11-01 0 days 2,309 sqft
2020-12-01 0 days 2,225 sqft
2021-01-01 0 days 2,183 sqft
2021-02-01 0 days 2,153 sqft
2021-03-01 0 days 2,218 sqft
2021-04-01 0 days 2,353 sqft
2021-05-01 0 days 2,100 sqft
2021-06-01 0 days 2,085 sqft
2021-07-01 0 days 2,028 sqft
2021-08-01 0 days 2,121 sqft
2021-09-01 0 days 2,149 sqft
2021-10-01 0 days 1,982 sqft
2021-11-01 0 days 1,931 sqft
2021-12-01 0 days 1,926 sqft
2022-01-01 0 days 1,801 sqft
2022-02-01 0 days 1,824 sqft
2022-03-01 0 days 2,092 sqft
2022-04-01 0 days 2,225 sqft
2022-05-01 0 days 2,127 sqft
2022-06-01 0 days 2,228 sqft
2022-07-01 0 days 2,134 sqft
2022-08-01 0 days 2,189 sqft
2022-09-01 0 days 2,168 sqft
2022-10-01 0 days 2,173 sqft
2022-11-01 0 days 2,212 sqft
2022-12-01 0 days 2,195 sqft
2023-01-01 0 days 2,077 sqft
2023-02-01 0 days 2,044 sqft
2023-03-01 0 days 2,273 sqft
2023-04-01 0 days 2,256 sqft
2023-05-01 0 days 2,305 sqft
2023-06-01 0 days 2,241 sqft
2023-07-01 0 days 2,076 sqft
2023-08-01 0 days 2,168 sqft
2023-09-01 0 days 2,225 sqft
2023-10-01 0 days 2,272 sqft
2023-11-01 0 days 2,285 sqft
2023-12-01 0 days 2,120 sqft
2024-01-01 0 days 2,100 sqft
2024-02-01 0 days 2,000 sqft
2024-03-01 0 days 2,000 sqft
Seneca's median listing age (time on market) for 2024-03-01 was 0 days.

Seneca's median square footage for active listings during the 2024-03-01 period was 2,000 sqft. One year prior, the average listing was 2,273 sqft.

Seneca, SC Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 977 $341,065,000 $349,094
Other 154 $25,050,000 $162,662
Home Improvement 127 $20,265,000 $159,567
Cash Out Refi 127 $26,775,000 $210,827
Refi 114 $37,230,000 $326,579

Seneca's most frequently cited loan purpose was Home Purchase, with 977 originations. The 2nd most popular reason was Other, with 154 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 499 $161,215,000 $323,076
7-8% 327 $94,095,000 $287,752
5-6% 242 $89,670,000 $370,537
Over 8% 213 $50,055,000 $235,000
4-5% 99 $16,015,000 $161,768
3-4% 16 $1,710,000 $106,875
<2.5% 4 $30,000 $7,500
2.5-3% 2 $320,000 $160,000

During 2023, Seneca's most frequently originated rate bucket was 6-7%, with 499 originations.

Loan Sizing (Seneca, SC MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 493 $134,095,000 $271,998
$100k-200k 466 $69,330,000 $148,777
$100,000 or less 259 $16,065,000 $62,027
$400k-600k 121 $58,315,000 $481,942
$600k-1000k 99 $72,425,000 $731,566
$Over $1MM 61 $100,155,000 $1,641,885

Seneca's loan sizing saw the bucket of loans from $200k-400k with 493 originations, totaling $134,095,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 502 $157,110,000 $312,968
60-80% 327 $141,945,000 $434,083
20-40% 197 $34,305,000 $174,137
40-60% 181 $54,685,000 $302,127
Under 20% 172 $18,270,000 $106,221
Over 100% 19 $5,895,000 $310,263

Seneca's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 502 originations, totaling $157,110,000 in origination value.