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
7.13%
for the week of 2023-11-22, compared to the national average of
7.29% for the same period.
The average rate for the prior week (2023-11-16) was
7.28% and
one month ago for the week of 2023-10-19, the
average rate was 7.37%.
Seneca's average rate one year ago was 6.05%.
For refis of the same type during the week of 2023-11-22, the average rate
was 6.38%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-11-22 | 7.29% |
| Seneca 30 Year Fixed Rate | 2023-11-22 | 7.13% |
| Seneca 30 Year Fixed Rate Refi | 2023-11-22 | 6.38% |
| Seneca 15 Year Fixed Rate | 2023-11-22 | 6.47% |
| Seneca 15 Year Fixed Rate Refi | 2023-11-22 | 6.67% |
| Seneca 30 Year FHA | 2023-11-22 | -0.17% |
| Seneca 30 Year FHA Refi | 2023-11-22 | -0.2% |
| Seneca 30 Year USDA | 2023-11-22 | 0.2% |
| Seneca 30 Year USDA Refi | 2023-11-22 | 0% |
| Seneca 30 Year VA | 2023-11-22 | -0.13% |
| Seneca 30 Year VA Refi | 2023-11-22 | 0% |
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.).
Seneca Average Closing Costs & Other Stats
Seneca, SC's 178 lenders originated 2,271
loans during 2022. The total origination value was $707,085,000, with an average loan value of
$311,354.
Seneca's average closing costs are $4,932.
The top Seneca lender as defined by loan originations is ON Q FINANCIAL, INC., with
103 loans originated. Their average total fees are
$4,368, which is $2,415
lower than the next largest lender,
South State Bank.
The lowest fee Seneca lenders (with over 10 loans originated) are
First Palmetto Bank ($3,510), NAVY FEDERAL CREDIT UNION ($3,529), Truist ($4,004), Bank of America ($4,255) and ON Q FINANCIAL, INC. ($4,368).
The lowest rate Seneca lenders (with over 10 loans originated) are
TD Bank (3.77%), Bank of America (3.84%), First-Citizens Bank & Trust Company (4.07%), LOANDEPOT.COM, LLC (4.11%) and Truist (4.43%).
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| South State Bank | $88,830,000 | $76,695,000 | -13.7% | 10.8% |
| ON Q FINANCIAL, INC. | $37,975,000 | $42,255,000 | 11.3% | 6.0% |
| QUICKEN LOANS, LLC | $69,425,000 | $35,275,000 | -49.2% | 5.0% |
| First-Citizens Bank & Trust Company | $28,900,000 | $19,450,000 | -32.7% | 2.8% |
| Southern First Bank | $11,960,000 | $15,900,000 | 32.9% | 2.2% |
| TD Bank | $18,270,000 | $15,860,000 | -13.2% | 2.2% |
| Wells Fargo Bank | $30,320,000 | $15,425,000 | -49.1% | 2.2% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $25,495,000 | $14,060,000 | -44.9% | 2.0% |
| Community First Bank, Inc. | $8,330,000 | $12,940,000 | 55.3% | 1.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $10,560,000 | $12,900,000 | 22.2% | 1.8% |
| LOANDEPOT.COM, LLC | $18,185,000 | $12,205,000 | -32.9% | 1.7% |
| Bank of America | $21,480,000 | $12,145,000 | -43.5% | 1.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $10,940,000 | $11,425,000 | 4.4% | 1.6% |
| HOMESTAR FINANCIAL CORPORATION | $24,160,000 | $11,005,000 | -54.4% | 1.6% |
| United Community Bank | $18,270,000 | $10,185,000 | -44.3% | 1.4% |
| Synovus Bank | $13,135,000 | $10,130,000 | -22.9% | 1.4% |
| Mortgage Research Center, LLC | $11,035,000 | $8,750,000 | -20.7% | 1.2% |
| S. C. STATE FEDERAL CREDIT UNION | $7,195,000 | $8,735,000 | 21.4% | 1.2% |
| Truist | $26,245,000 | $8,560,000 | -67.4% | 1.2% |
| U.S. Bank | $13,535,000 | $7,595,000 | -43.9% | 1.1% |
| First Palmetto Bank | $3,030,000 | $7,560,000 | 149.5% | 1.1% |
| Ameris Bank | $15,525,000 | $6,410,000 | -58.7% | 0.9% |
| AgFirst Farm Credit Bank | $5,475,000 | $6,390,000 | 16.7% | 0.9% |
| S. C. TELCO | $4,530,000 | $6,005,000 | 32.6% | 0.8% |
| MOVEMENT MORTGAGE, LLC | $11,430,000 | $5,695,000 | -50.2% | 0.8% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $5,385,000 | $5,360,000 | -0.5% | 0.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,890,000 | $5,340,000 | 84.8% | 0.8% |
| PENNYMAC LOAN SERVICES, LLC | $13,865,000 | $5,230,000 | -62.3% | 0.7% |
| JPMorgan Chase Bank | $9,905,000 | $5,215,000 | -47.3% | 0.7% |
| Charles Schwab Bank, SSB | $2,255,000 | $5,190,000 | 130.2% | 0.7% |
| Coastal Carolina National Bank | $5,575,000 | $4,910,000 | -11.9% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $3,930,000 | $4,800,000 | 22.1% | 0.7% |
| CMG MORTGAGE, INC. | $1,315,000 | $4,360,000 | 231.6% | 0.6% |
| Morgan Stanley Private Bank | $1,440,000 | $4,340,000 | 201.4% | 0.6% |
| FREEDOM MORTGAGE CORPORATION | $13,105,000 | $4,005,000 | -69.4% | 0.6% |
| Renasant Bank | $3,555,000 | $3,740,000 | 5.2% | 0.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $5,350,000 | $3,560,000 | -33.5% | 0.5% |
| Pinnacle Bank | $365,000 | $3,545,000 | 871.2% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $5,750,000 | $3,410,000 | -40.7% | 0.5% |
| The Park National Bank | $5,980,000 | $3,410,000 | -43.0% | 0.5% |
| STATE EMPLOYEES' | $1,120,000 | $3,370,000 | 200.9% | 0.5% |
| Paramount Residential Mortgage Group, Inc. | $4,675,000 | $3,190,000 | -31.8% | 0.5% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $1,255,000 | $3,185,000 | 153.8% | 0.5% |
| PNC Bank | $2,920,000 | $3,180,000 | 8.9% | 0.4% |
| Northpointe Bank | $1,020,000 | $3,045,000 | 198.5% | 0.4% |
| Fifth Third Bank | $2,930,000 | $2,845,000 | -2.9% | 0.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $3,655,000 | $2,825,000 | -22.7% | 0.4% |
| DHI MORTGAGE COMPANY, LTD. | $2,820,000 | n/a | 0.4% | |
| Regions Bank | $4,245,000 | $2,765,000 | -34.9% | 0.4% |
| BNY Mellon | $2,760,000 | n/a | 0.4% | |
| AMERISAVE MORTGAGE CORPORATION | $11,145,000 | $2,745,000 | -75.4% | 0.4% |
| GUARANTEED RATE, INC. | $4,385,000 | $2,700,000 | -38.4% | 0.4% |
| GUILD MORTGAGE COMPANY | $3,610,000 | $2,665,000 | -26.2% | 0.4% |
| First Reliance Bank | $1,575,000 | $2,640,000 | 67.6% | 0.4% |
| Alcova Mortgage LLC | $2,040,000 | $2,630,000 | 28.9% | 0.4% |
| HOMESIDE FINANCIAL, LLC | $2,025,000 | $2,620,000 | 29.4% | 0.4% |
| FOUNDERS FEDERAL CREDIT UNION | $2,690,000 | $2,545,000 | -5.4% | 0.4% |
| 21ST MORTGAGE CORPORATION | $3,625,000 | $2,490,000 | -31.3% | 0.4% |
| BROKER SOLUTIONS, INC. | $3,205,000 | $2,400,000 | -25.1% | 0.3% |
| Capital City Home Loans, LLC | $770,000 | $2,370,000 | 207.8% | 0.3% |
| Flagstar Bank, FSB | $5,900,000 | $2,310,000 | -60.8% | 0.3% |
| UBS Bank USA | $2,445,000 | $2,310,000 | -5.5% | 0.3% |
| TOWNE MORTGAGE COMPANY | $2,170,000 | $2,285,000 | 5.3% | 0.3% |
| First Horizon Bank | $950,000 | $2,145,000 | 125.8% | 0.3% |
| HOME POINT FINANCIAL CORPORATION | $2,050,000 | $2,115,000 | 3.2% | 0.3% |
| Sierra Pacific Mortgage Company, Inc. | $4,700,000 | $2,040,000 | -56.6% | 0.3% |
| EVERETT FINANCIAL, INC. | $330,000 | $2,020,000 | 512.1% | 0.3% |
| NEW DAY FINANCIAL, LLC | $2,395,000 | $2,020,000 | -15.7% | 0.3% |
| Goldman Sachs Bank USA | $1,930,000 | n/a | 0.3% | |
| FBC MORTGAGE, LLC | $1,135,000 | $1,900,000 | 67.4% | 0.3% |
| UNION HOME MORTGAGE CORP. | $1,080,000 | $1,870,000 | 73.1% | 0.3% |
| Citizens Bank | $1,500,000 | $1,815,000 | 21.0% | 0.3% |
| Bank of Travelers Rest | $4,205,000 | $1,750,000 | -58.4% | 0.2% |
| EMBRACE HOME LOANS, INC. | $915,000 | $1,720,000 | 88.0% | 0.2% |
| HomeTrust Bank | $6,410,000 | $1,710,000 | -73.3% | 0.2% |
| RELIANCE FIRST CAPITAL, LLC | $1,640,000 | $1,605,000 | -2.1% | 0.2% |
| NVR Mortgage Finance, Inc. | $1,565,000 | n/a | 0.2% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,210,000 | $1,555,000 | -29.6% | 0.2% |
| The Huntington National Bank | $215,000 | $1,545,000 | 618.6% | 0.2% |
| GrandSouth Bank | $2,445,000 | $1,505,000 | -38.4% | 0.2% |
| First Bank | $1,115,000 | $1,450,000 | 30.0% | 0.2% |
| UNITED | $1,440,000 | n/a | 0.2% | |
| The Central Trust Bank | $1,410,000 | n/a | 0.2% | |
| FINANCE OF AMERICA MORTGAGE LLC | $2,850,000 | $1,405,000 | -50.7% | 0.2% |
| The Peoples Bank | $2,730,000 | $1,400,000 | -48.7% | 0.2% |
| First Federal Bank | $590,000 | $1,370,000 | 132.2% | 0.2% |
| CALIBER HOME LOANS, INC. | $2,570,000 | $1,365,000 | -46.9% | 0.2% |
| KELLER MORTGAGE, LLC | $3,595,000 | $1,360,000 | -62.2% | 0.2% |
| Blue Ridge Bank | $525,000 | $1,315,000 | 150.5% | 0.2% |
| Carrington Mortgage Services, LLC | $2,145,000 | $1,265,000 | -41.0% | 0.2% |
| ACOPIA, LLC | $3,130,000 | $1,235,000 | -60.5% | 0.2% |
| NEWREZ LLC | $3,240,000 | $1,090,000 | -66.4% | 0.2% |
| Citizens Building and Loan, SSB | $985,000 | $1,085,000 | 10.2% | 0.2% |
| Towne Bank | $1,200,000 | $1,085,000 | -9.6% | 0.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,505,000 | $1,070,000 | -28.9% | 0.2% |
| SeaTrust Mortgage Company | $5,790,000 | $1,050,000 | -81.9% | 0.1% |
| NBKC BANK | $1,550,000 | $1,045,000 | -32.6% | 0.1% |
| ANGEL OAK HOME LOANS LLC | $1,560,000 | $1,035,000 | -33.7% | 0.1% |
| Truliant Federal Credit Union | $440,000 | $1,035,000 | 135.2% | 0.1% |
| COUNTRYPLACE MORTGAGE, LTD. | $1,020,000 | n/a | 0.1% | |
| First National Bank of Pennsylvania | $1,940,000 | $1,005,000 | -48.2% | 0.1% |
| Independent Bank | $1,005,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $4,375,000 | $990,000 | -77.4% | 0.1% |
| Countybank | $6,380,000 | $965,000 | -84.9% | 0.1% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $1,090,000 | $935,000 | -14.2% | 0.1% |
| BETTER MORTGAGE CORPORATION | $6,775,000 | $920,000 | -86.4% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $920,000 | n/a | 0.1% | |
| THE MORTGAGE FIRM, INC. | $915,000 | n/a | 0.1% | |
| USAA Federal Savings Bank | $2,090,000 | $910,000 | -56.5% | 0.1% |
| SUCCESS MORTGAGE PARTNERS, INC. | $825,000 | $870,000 | 5.5% | 0.1% |
| City National Bank | $505,000 | $855,000 | 69.3% | 0.1% |
| First Guaranty Mortgage Corporation | $2,025,000 | $850,000 | -58.0% | 0.1% |
| Ally Bank | $2,185,000 | $830,000 | -62.0% | 0.1% |
| LIMA ONE CAPITAL, LLC | $135,000 | $830,000 | 514.8% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $3,125,000 | $820,000 | -73.8% | 0.1% |
| SHARONVIEW FEDERAL CREDIT UNION | $1,085,000 | $810,000 | -25.3% | 0.1% |
| Mortgage Network, Inc. | $820,000 | $770,000 | -6.1% | 0.1% |
| First United Bank and Trust Company | $765,000 | n/a | 0.1% | |
| POLARIS HOME FUNDING CORP. | $175,000 | $765,000 | 337.1% | 0.1% |
| SOUTH CAROLINA FEDERAL CREDIT UNION | $820,000 | $760,000 | -7.3% | 0.1% |
| Citibank | $755,000 | n/a | 0.1% | |
| Great Southern Bank | $755,000 | n/a | 0.1% | |
| MAX Credit Union | $745,000 | n/a | 0.1% | |
| Northwest Bank | $740,000 | n/a | 0.1% | |
| PREMIA MORTGAGE, LLC | $735,000 | n/a | 0.1% | |
| SOUTHWEST FUNDING, LP | $460,000 | $730,000 | 58.7% | 0.1% |
| Discover Bank | $710,000 | n/a | 0.1% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $805,000 | $700,000 | -13.0% | 0.1% |
| HOMESTEAD FUNDING CORP. | $700,000 | $675,000 | -3.6% | 0.1% |
| DAS Acquisition Company, LLC | $670,000 | n/a | 0.1% | |
| ATLANTA POSTAL | $240,000 | $660,000 | 175.0% | 0.1% |
| Arvest Bank | $635,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $1,325,000 | $635,000 | -52.1% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $630,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $615,000 | n/a | 0.1% | |
| APEX HOME LOANS, INC. | $1,060,000 | $610,000 | -42.5% | 0.1% |
| First Piedmont Federal Savings and Loan Association of Gaffney | $1,030,000 | $605,000 | -41.3% | 0.1% |
| Strong Home Mortgage, LLC | $515,000 | $605,000 | 17.5% | 0.1% |
| Bank of England | $1,550,000 | $590,000 | -61.9% | 0.1% |
| Carolina Bank & Trust | $1,780,000 | $590,000 | -66.9% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $855,000 | $585,000 | -31.6% | 0.1% |
| Grow Financial Federal Credit Union | $585,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,675,000 | $580,000 | -65.4% | 0.1% |
| Waterstone Mortgage Corporation | $380,000 | $575,000 | 51.3% | 0.1% |
| First Mortgage Solutions, LLC | $285,000 | $565,000 | 98.2% | 0.1% |
| Bank OZK | $555,000 | n/a | 0.1% | |
| HANCOCK MORTGAGE PARTNERS, LLC | $935,000 | $555,000 | -40.6% | 0.1% |
| Palmetto Citizens Federal Credit Union | $555,000 | n/a | 0.1% | |
| EQUITY RESOURCES, INC. | $185,000 | $550,000 | 197.3% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $880,000 | $545,000 | -38.1% | 0.1% |
| MTC Federal Credit Union | $545,000 | n/a | 0.1% | |
| Arthur State Bank | $530,000 | n/a | 0.1% | |
| DELTA COMMUNITY CREDIT UNION | $1,260,000 | $530,000 | -57.9% | 0.1% |
| SIRVA MORTGAGE, INC. | $405,000 | $515,000 | 27.2% | 0.1% |
| INSPIRE HOME LOANS INC. | $510,000 | n/a | 0.1% | |
| Gateway First Bank | $1,115,000 | $505,000 | -54.7% | 0.1% |
| First Internet Bank of Indiana | $810,000 | $490,000 | -39.5% | 0.1% |
| Magnolia Bank | $550,000 | $490,000 | -10.9% | 0.1% |
| SOFI LENDING CORP. | $1,110,000 | $490,000 | -55.9% | 0.1% |
| Plains Commerce Bank | $470,000 | n/a | 0.1% | |
| S1L, Inc. | $470,000 | n/a | 0.1% | |
| SOUTHWEST STAGE FUNDING, LLC | $270,000 | $470,000 | 74.1% | 0.1% |
| Network Funding, L.P. | $3,525,000 | $465,000 | -86.8% | 0.1% |
| Northwest Federal Credit Union | $455,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $345,000 | $455,000 | 31.9% | 0.1% |
| Academy Bank | $435,000 | n/a | 0.1% | |
| First Community Bank | $1,170,000 | $435,000 | -62.8% | 0.1% |
| BAY EQUITY LLC | $245,000 | $425,000 | 73.5% | 0.1% |
| First Home Bank | $1,805,000 | $425,000 | -76.5% | 0.1% |
| 1ST SIGNATURE LENDING, LLC | $420,000 | n/a | 0.1% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $410,000 | n/a | 0.1% | |
| Notre Dame Federal Credit Union Corporation | $405,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $2,140,000 | $405,000 | -81.1% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $85,000 | $400,000 | 370.6% | 0.1% |
| CAPITAL CENTER, L.L.C. | $940,000 | $390,000 | -58.5% | 0.1% |
| FINANCIAL RESOURCES FEDERAL CREDIT UNION | $380,000 | n/a | 0.1% | |
| Century Mortgage Company DBA Century Lending Company | $370,000 | n/a | 0.1% | |
| Evolve Bank & Trust | $265,000 | $365,000 | 37.7% | 0.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $205,000 | $360,000 | 75.6% | 0.1% |
| AMERICAN ADVISORS GROUP | $155,000 | $355,000 | 129.0% | 0.1% |
| CRESCENT MORTGAGE COMPANY | $1,630,000 | $355,000 | -78.2% | 0.1% |
| KeyBank | $345,000 | n/a | 0.0% | |
| PLANET HOME LENDING, LLC | $625,000 | $345,000 | -44.8% | 0.0% |
| Raymond James Bank | $1,240,000 | $335,000 | -73.0% | 0.0% |
| EASTMAN | $1,000,000 | $325,000 | -67.5% | 0.0% |
| BNC National Bank | $545,000 | $315,000 | -42.2% | 0.0% |
| Old National Bank | $315,000 | n/a | 0.0% | |
| GREENVILLE FEDERAL CREDIT UNION | $340,000 | $310,000 | -8.8% | 0.0% |
| Citizens National Bank of Texas | $295,000 | n/a | 0.0% | |
| CPM Federal Credit Union | $595,000 | $290,000 | -51.3% | 0.0% |
| United Bank | $1,005,000 | $290,000 | -71.1% | 0.0% |
| Dollar Bank, Federal Savings Bank | $680,000 | $275,000 | -59.6% | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | $355,000 | $275,000 | -22.5% | 0.0% |
| NFM, INC. | $345,000 | $275,000 | -20.3% | 0.0% |
| AMERICAN FINANCING CORPORATION | $630,000 | $260,000 | -58.7% | 0.0% |
| EMM LOANS LLC | $155,000 | $255,000 | 64.5% | 0.0% |
| George Mason Mortgage, LLC | $255,000 | n/a | 0.0% | |
| MILEND, INC. | $255,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $245,000 | $245,000 | 0.0% | 0.0% |
| Stifel Bank and Trust | $3,390,000 | $245,000 | -92.8% | 0.0% |
| INLAND BANK & TRUST | $165,000 | $240,000 | 45.5% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $235,000 | n/a | 0.0% | |
| TOTAL MORTGAGE SERVICES, LLC | $135,000 | $235,000 | 74.1% | 0.0% |
| FirstBank | $1,140,000 | $225,000 | -80.3% | 0.0% |
| PEACH STATE FEDERAL CREDIT UNION | $75,000 | $225,000 | 200.0% | 0.0% |
| RESIDENTIAL BANCORP. | $165,000 | $225,000 | 36.4% | 0.0% |
| Shore United Bank | $225,000 | n/a | 0.0% | |
| VILLAGE CAPITAL MORTGAGE | $845,000 | $220,000 | -74.0% | 0.0% |
| First Western Trust Bank | $215,000 | n/a | 0.0% | |
| First Savings Bank | $690,000 | $210,000 | -69.6% | 0.0% |
| American Security Mortgage Corp. | $1,965,000 | $205,000 | -89.6% | 0.0% |
| Colten Mortgage, LLC | $205,000 | n/a | 0.0% | |
| FIRST CENTENNIAL MORTGAGE CORPORATION | $205,000 | n/a | 0.0% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $205,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $200,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $3,075,000 | $200,000 | -93.5% | 0.0% |
| Allen Tate Mortgage Partners, LLC | $975,000 | $195,000 | -80.0% | 0.0% |
| NEXERA HOLDING LLC | $1,285,000 | $195,000 | -84.8% | 0.0% |
| Equity Prime Mortgage LLC | $175,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $175,000 | n/a | 0.0% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $175,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $175,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $505,000 | $170,000 | -66.3% | 0.0% |
| East Coast Capital Corp. | $165,000 | n/a | 0.0% | |
| CAROLINA ONE MORTGAGE, LLC | $160,000 | n/a | 0.0% | |
| Bank-Fund Staff Federal Credit Union | $265,000 | $145,000 | -45.3% | 0.0% |
| Baxter Credit Union | $205,000 | $145,000 | -29.3% | 0.0% |
| Boeing Employees Credit Union | $145,000 | n/a | 0.0% | |
| INTERCOASTAL MORTGAGE COMPANY | $105,000 | $145,000 | 38.1% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $145,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $185,000 | $135,000 | -27.0% | 0.0% |
| ENCORE BANK | $135,000 | n/a | 0.0% | |
| M&T Bank | $615,000 | $135,000 | -78.0% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $135,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $175,000 | $125,000 | -28.6% | 0.0% |
| LENDINGONE, LLC | $125,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $375,000 | $125,000 | -66.7% | 0.0% |
| PUBLIX EMPLOYEES | $115,000 | n/a | 0.0% | |
| SHELTER HOME MORTGAGE, LLC | $780,000 | $115,000 | -85.3% | 0.0% |
| BankSouth | $105,000 | n/a | 0.0% | |
| CREDIT UNION ONE | $105,000 | n/a | 0.0% | |
| INTERLINC MORTGAGE SERVICES, LLC | $185,000 | $105,000 | -43.2% | 0.0% |
| PHH Mortgage Corporation | $655,000 | $105,000 | -84.0% | 0.0% |
| RADIUS FINANCIAL GROUP INC. | $105,000 | n/a | 0.0% | |
| STOCKTON MORTGAGE CORPORATION | $105,000 | n/a | 0.0% | |
| UMB Bank | $215,000 | $105,000 | -51.2% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $560,000 | $95,000 | -83.0% | 0.0% |
| United Bank | $1,005,000 | $95,000 | -90.5% | 0.0% |
| UNIFY FINANCIAL Credit Union | $85,000 | n/a | 0.0% | |
| HONDA Federal Credit Union | $235,000 | $65,000 | -72.3% | 0.0% |
| ALL IN | $60,000 | n/a | 0.0% | |
| Georgia Banking Company | $65,000 | $55,000 | -15.4% | 0.0% |
| TOWER | $55,000 | n/a | 0.0% | |
| DUPACO COMMUNITY | $35,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $225,000 | $35,000 | -84.4% | 0.0% |
Seneca's top lender by overall market share is South State Bank, with 10.8% market share. In second place, with 6.0%, is ON Q FINANCIAL, INC., having originated $42,255,000 in loans. In third place, with 5.0%, is QUICKEN LOANS, LLC, having originated $35,275,000 in loans. In fourth place, with 2.8%, is First-Citizens Bank & Trust Company, having originated $19,450,000 in loans. In fifth place, with 2.2%, is Southern First Bank, having originated $15,900,000 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 (1.3%) | $403,603 (4.0%) | 0.00 | 548 |
| 2018-02-01 | $249,900 (4.3%) | $411,213 (8.3%) | 0.00 | 549 |
| 2018-03-01 | $274,900 (15.0%) | $443,920 (16.0%) | 0.00 | 594 |
| 2018-04-01 | $282,450 (17.7%) | $432,390 (12.5%) | 0.00 | 622 |
| 2018-05-01 | $285,000 (17.3%) | $430,445 (10.3%) | 0.00 | 614 |
| 2018-06-01 | $280,000 (18.1%) | $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%) | $440,333 (11.6%) | 0.00 | 636 |
| 2018-09-01 | $279,900 (12.4%) | $439,599 (11.0%) | 0.00 | 637 |
| 2018-10-01 | $279,000 (11.9%) | $442,475 (12.1%) | 0.00 | 624 |
| 2018-11-01 | $275,000 (10.0%) | $437,708 (8.2%) | 0.00 | 617 |
| 2018-12-01 | $274,500 (10.2%) | $433,917 (9.3%) | 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 (13.2%) | 0.00 | 550 |
| 2019-03-01 | $280,400 (2.0%) | $485,062 (9.3%) | 0.00 | 515 |
| 2019-04-01 | $297,000 (5.2%) | $492,174 (13.8%) | 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 | $311,312 (-4.2%) | $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 | $361,836 (4.3%) | $676,718 (20.9%) | 0.00 | 293 |
| 2022-09-01 | $349,350 (1.5%) | $657,292 (22.1%) | 0.00 | 291 |
| 2022-10-01 | $349,000 (7.4%) | $640,687 (22.8%) | 0.00 | 296 |
| 2022-11-01 | $368,755 (16.7%) | $681,185 (31.4%) | 0.00 | 287 |
| 2022-12-01 | $363,294 (20.1%) | $649,569 (28.6%) | 0.00 | 279 |
| 2023-01-01 | $362,000 (28.9%) | $603,057 (17.3%) | 0.00 | 267 |
| 2023-02-01 | $359,950 (21.5%) | $624,003 (24.2%) | 0.00 | 254 |
| 2023-03-01 | $393,950 (26.6%) | $710,980 (27.1%) | 0.00 | 244 |
| 2023-04-01 | $393,600 (15.4%) | $715,641 (26.5%) | 0.00 | 216 |
| 2023-05-01 | $415,675 (19.9%) | $732,352 (24.6%) | 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 (4.1%) | $643,553 (-4.9%) | 0.00 | 243 |
| 2023-09-01 | $399,000 (14.2%) | $670,027 (1.9%) | 0.00 | 250 |
| 2023-10-01 | $394,500 (13.0%) | $639,898 (-0.1%) | 0.00 | 281 |
Seneca's median listing price for 2023-10-01 was $394,500, a difference of
$45,500
(13.0%) versus the prior year and
$-4,500 versus the prior month.
Seneca's median listing price comes in at 0% of the national average.
Seneca's average listing price for 2023-10-01 was $639,898, a difference of $-789 (-0.1%) versus the prior year and $-30,129 versus the prior month.
For the 2023-10-01 period, Seneca had 281 MLS listings, a difference of 31 listings (12%) versus the prior month and -15 listings (-5%) versus the prior year.
Seneca's median listing price comes in at 0% of the national average.
Seneca's average listing price for 2023-10-01 was $639,898, a difference of $-789 (-0.1%) versus the prior year and $-30,129 versus the prior month.
For the 2023-10-01 period, Seneca had 281 MLS listings, a difference of 31 listings (12%) versus the prior month and -15 listings (-5%) 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 | 2,506 sqft |
| 2018-02-01 | 0 days | 2,457 sqft |
| 2018-03-01 | 0 days | 2,545 sqft |
| 2018-04-01 | 0 days | 2,610 sqft |
| 2018-05-01 | 0 days | 2,750 sqft |
| 2018-06-01 | 0 days | 2,610 sqft |
| 2018-07-01 | 0 days | 2,671 sqft |
| 2018-08-01 | 0 days | 2,646 sqft |
| 2018-09-01 | 0 days | 2,600 sqft |
| 2018-10-01 | 0 days | 2,620 sqft |
| 2018-11-01 | 0 days | 2,574 sqft |
| 2018-12-01 | 0 days | 2,519 sqft |
| 2019-01-01 | 0 days | 2,465 sqft |
| 2019-02-01 | 0 days | 2,450 sqft |
| 2019-03-01 | 0 days | 2,450 sqft |
| 2019-04-01 | 0 days | 2,480 sqft |
| 2019-05-01 | 0 days | 2,592 sqft |
| 2019-06-01 | 0 days | 2,612 sqft |
| 2019-07-01 | 0 days | 2,579 sqft |
| 2019-08-01 | 0 days | 2,576 sqft |
| 2019-09-01 | 0 days | 2,576 sqft |
| 2019-10-01 | 0 days | 2,709 sqft |
| 2019-11-01 | 0 days | 2,800 sqft |
| 2019-12-01 | 0 days | 2,656 sqft |
| 2020-01-01 | 0 days | 2,628 sqft |
| 2020-02-01 | 0 days | 2,532 sqft |
| 2020-03-01 | 0 days | 2,567 sqft |
| 2020-04-01 | 0 days | 2,565 sqft |
| 2020-05-01 | 0 days | 2,540 sqft |
| 2020-06-01 | 0 days | 2,592 sqft |
| 2020-07-01 | 0 days | 2,524 sqft |
| 2020-08-01 | 0 days | 2,600 sqft |
| 2020-09-01 | 0 days | 2,570 sqft |
| 2020-10-01 | 0 days | 2,400 sqft |
| 2020-11-01 | 0 days | 2,314 sqft |
| 2020-12-01 | 0 days | 2,221 sqft |
| 2021-01-01 | 0 days | 2,205 sqft |
| 2021-02-01 | 0 days | 2,212 sqft |
| 2021-03-01 | 0 days | 2,348 sqft |
| 2021-04-01 | 0 days | 2,442 sqft |
| 2021-05-01 | 0 days | 2,209 sqft |
| 2021-06-01 | 0 days | 2,100 sqft |
| 2021-07-01 | 0 days | 2,029 sqft |
| 2021-08-01 | 0 days | 2,105 sqft |
| 2021-09-01 | 0 days | 2,113 sqft |
| 2021-10-01 | 0 days | 1,995 sqft |
| 2021-11-01 | 0 days | 1,986 sqft |
| 2021-12-01 | 0 days | 1,950 sqft |
| 2022-01-01 | 0 days | 1,782 sqft |
| 2022-02-01 | 0 days | 1,798 sqft |
| 2022-03-01 | 0 days | 2,090 sqft |
| 2022-04-01 | 0 days | 2,218 sqft |
| 2022-05-01 | 0 days | 2,083 sqft |
| 2022-06-01 | 0 days | 2,196 sqft |
| 2022-07-01 | 0 days | 2,134 sqft |
| 2022-08-01 | 0 days | 2,208 sqft |
| 2022-09-01 | 0 days | 2,194 sqft |
| 2022-10-01 | 0 days | 2,200 sqft |
| 2022-11-01 | 0 days | 2,274 sqft |
| 2022-12-01 | 0 days | 2,213 sqft |
| 2023-01-01 | 0 days | 2,107 sqft |
| 2023-02-01 | 0 days | 2,119 sqft |
| 2023-03-01 | 0 days | 2,352 sqft |
| 2023-04-01 | 0 days | 2,380 sqft |
| 2023-05-01 | 0 days | 2,387 sqft |
| 2023-06-01 | 0 days | 2,382 sqft |
| 2023-07-01 | 0 days | 2,225 sqft |
| 2023-08-01 | 0 days | 2,244 sqft |
| 2023-09-01 | 0 days | 2,261 sqft |
| 2023-10-01 | 0 days | 2,301 sqft |
Seneca's median listing age (time on market) for 2023-10-01 was 0 days.
Seneca's median square footage for active listings during the 2023-10-01 period was 2,301 sqft. One year prior, the average listing was 2,200 sqft.
Seneca's median square footage for active listings during the 2023-10-01 period was 2,301 sqft. One year prior, the average listing was 2,200 sqft.
Seneca, SC Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,344 | $481,940,000 | $358,586 |
| Cash Out Refi | 374 | $90,380,000 | $241,658 |
| Refi | 274 | $82,360,000 | $300,584 |
| Other | 165 | $35,335,000 | $214,152 |
| Home Improvement | 114 | $17,070,000 | $149,737 |
Seneca's most frequently cited loan purpose was Home Purchase, with 1,344 originations. The 2nd most popular reason was Cash Out Refi, with 374 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 559 | $181,935,000 | $325,465 |
| 4-5% | 496 | $160,520,000 | $323,629 |
| 5-6% | 452 | $129,900,000 | $287,389 |
| 6-7% | 238 | $53,740,000 | $225,798 |
| 2.5-3% | 164 | $62,560,000 | $381,463 |
| 7-8% | 89 | $16,215,000 | $182,191 |
| <2.5% | 61 | $21,355,000 | $350,082 |
| Over 8% | 46 | $5,740,000 | $124,783 |
During 2022, Seneca's most frequently originated rate bucket was 3-4%, with 559 originations.
Loan Sizing (Seneca, SC MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 742 | $204,260,000 | $275,283 |
| $100k-200k | 738 | $109,010,000 | $147,710 |
| $100,000 or less | 295 | $19,415,000 | $65,814 |
| $400k-600k | 235 | $114,045,000 | $485,298 |
| $600k-1000k | 162 | $119,040,000 | $734,815 |
| $Over $1MM | 99 | $141,315,000 | $1,427,424 |
Seneca's loan sizing saw the bucket of loans from $200k-400k with 742 originations, totaling $204,260,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 790 | $233,990,000 | $296,190 |
| 60-80% | 593 | $222,365,000 | $374,983 |
| 40-60% | 305 | $104,795,000 | $343,590 |
| 20-40% | 232 | $44,260,000 | $190,776 |
| Under 20% | 152 | $15,930,000 | $104,803 |
| Over 100% | 28 | $7,630,000 | $272,500 |
Seneca's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 790 originations, totaling $233,990,000 in origination value.