What people paid for mortgages in Georgetown County, SC (2025)
Across 606 closed home-purchase loans in 2025, the median interest rate in Georgetown was 6.625%, and the middle half of borrowers got between 6.125% and 6.99%. Median total loan costs ran $5,933 on a median loan of $315,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.625%
- Middle half of rates
- 6.125%–6.99%
- Median total loan costs
- $5,933
- Median loan amount
- $315,000
606 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.75%–6.875%
- Median total loan costs
- $6,579
- Median loan amount
- $280,000
254 loans, 2025.
Lowest median rates in Georgetown (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.SouthState Bank, National Association6.112%14 loans, median costs $5,857
- 2.First-Citizens Bank & Trust Company6.312%12 loans, median costs $5,640
- 3.CMG MORTGAGE, INC.6.375%20 loans, median costs $7,836
- 4.CROSSCOUNTRY MORTGAGE, INC.6.375%13 loans, median costs $8,923
- 5.UNION HOME MORTGAGE CORP.6.375%11 loans, median costs $9,045
Among lenders with at least 10 closed purchase loans in Georgetown County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.
Refinance
- 1.PENNYMAC LOAN SERVICES, LLC5.75%11 loans, median costs $9,971
- 2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.998%24 loans, median costs $9,945
- 3.Rocket Mortgage, LLC6.125%40 loans, median costs $7,112
- 4.FREEDOM MORTGAGE CORPORATION6.25%14 loans, median costs $8,793
Among lenders with at least 10 closed refinance loans in Georgetown County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.
Lender by lender in Georgetown
Every lender that closed at least 5 qualifying loans in Georgetown County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | Gateway First Bank | 57 | 6.625% | $5,571 | $1,955 | $925 |
| 2 | MOVEMENT MORTGAGE, LLC | 25 | 6.625% | $6,232 | $2,095 | $1,587 |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 22 | 6.629% | $9,808 | $4,263 | $1,879 |
| 4 | South Atlantic Bank | 21 | n/a | n/a | n/a | n/a |
| 5 | CMG MORTGAGE, INC. | 20 | 6.375% | $7,836 | $4,225 | $3,426 |
| 6 | Mortgage Research Center, LLC | 16 | 6.438% | $4,811 | $1,884 | $885 |
| 7 | 21st Mortgage Corporation | 16 | 11.025% | $6,749 | $4,273 | n/a |
| 8 | TRIAD FINANCIAL SERVICES, INC. | 15 | 8.73% | $8,099 | $4,840 | $3,990 |
| 9 | T2 FINANCIAL LLC | 14 | 6.812% | $7,084 | $3,621 | $2,219 |
| 10 | SouthState Bank, National Association | 14 | 6.112% | $5,857 | $1,495 | $285 |
| 11 | VANDERBILT MORTGAGE AND FINANCE, INC. | 13 | 10.54% | $3,662 | $0 | $770 |
| 12 | GUARANTEED RATE, INC. | 13 | 6.625% | $5,923 | $2,001 | $1,323 |
| 13 | CROSSCOUNTRY MORTGAGE, INC. | 13 | 6.375% | $8,923 | $4,023 | $5,273 |
| 14 | Ameris Bank | 12 | 6.625% | $5,025 | $1,614 | $980 |
| 15 | First-Citizens Bank & Trust Company | 12 | 6.312% | $5,640 | $1,704 | $1,272 |
| 16 | Rocket Mortgage, LLC | 11 | 6.625% | $7,298 | $3,788 | $3,300 |
| 17 | UNION HOME MORTGAGE CORP. | 11 | 6.375% | $9,045 | $5,418 | $2,651 |
| 18 | The Citizens Bank | 8 | n/a | n/a | n/a | n/a |
| 19 | Fairway Independent Mortgage Corporation | 8 | 6.438% | $10,814 | $3,744 | $2,187 |
| 20 | Alcova Mortgage LLC | 8 | 6.312% | $6,583 | $1,598 | $7,320 |
| 21 | Synovus Bank | 7 | 6.125% | $5,282 | $1,280 | $443 |
| 22 | Truist Bank | 7 | 6.1% | $4,204 | $1,250 | $314 |
| 23 | Coastal Carolina National Bank | 6 | 6.562% | $4,523 | $1,178 | $2,058 |
| 24 | SOUTHWEST STAGE FUNDING, LLC | 6 | 6.825% | $3,978 | $2,192 | n/a |
| 25 | Renasant Bank | 6 | 5.995% | $9,457 | $935 | $1,780 |
| 26 | Navy Federal Credit Union | 6 | 5.938% | $3,222 | $0 | $750 |
| 27 | Servion, Inc. | 6 | 6.625% | $4,566 | $1,113 | $1,373 |
| 28 | MUTUAL OF OMAHA MORTGAGE, INC. | 6 | 6.933% | $7,845 | $4,459 | $2,537 |
| 29 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 6 | 6.625% | $7,690 | $2,210 | $1,925 |
| 30 | Fifth Third Bank, National Association | 6 | 6.12% | $5,822 | $2,302 | $1,014 |
| 31 | TAMMAC HOLDINGS CORPORATION | 5 | 9.8% | n/a | n/a | n/a |
| 32 | JPMorgan Chase Bank, National Association | 5 | 6.75% | $5,142 | $500 | $4,935 |
| 33 | Wells Fargo Bank, National Association | 5 | 6.875% | $5,131 | $2,381 | $1,729 |
| 34 | First National Bank of Pennsylvania | 5 | 6.375% | $4,272 | $960 | $967 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Georgetown figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Georgetown County in 2025?
The median interest rate on closed home-purchase loans in Georgetown County, South Carolina in 2025 was 6.625%, across 606 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.99%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.