What people paid for mortgages in Horry County, SC (2025)
Across 7,048 closed home-purchase loans in 2025, the median interest rate in Horry was 6.375%, and the middle half of borrowers got between 5.75% and 6.875%. Median total loan costs ran $5,778 on a median loan of $275,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.375%
- Middle half of rates
- 5.75%–6.875%
- Median total loan costs
- $5,778
- Median loan amount
- $275,000
7,048 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.75%–6.75%
- Median total loan costs
- $6,546
- Median loan amount
- $265,000
2,324 loans, 2025.
Lowest median rates in Horry (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.VELOCIO MORTGAGE L.L.C.4.99%104 loans, median costs $7,561
- 2.JET HOMELOANS, LP4.99%60 loans, median costs $4,568
- 3.FBC MORTGAGE, LLC5.312%98 loans, median costs $6,042
- 4.DHI MORTGAGE COMPANY, LTD.5.375%922 loans, median costs $3,343
- 5.STATE EMPLOYEES'5.738%36 loans, median costs $4,625
Among lenders with at least 30 closed purchase loans in Horry County in 2025.
Refinance
- 1.VILLAGE CAPITAL & INVESTMENT LLC5.75%31 loans, median costs $5,890
- 2.PENNYMAC LOAN SERVICES, LLC5.933%94 loans, median costs $6,577
- 3.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.99%234 loans, median costs $10,119
- 4.Loandepot.Com, LLC5.99%55 loans, median costs $7,456
- 5.NATIONSTAR MORTGAGE LLC5.99%53 loans, median costs $8,948
Among lenders with at least 30 closed refinance loans in Horry County in 2025.
Lender by lender in Horry
Every lender that closed at least 5 qualifying loans in Horry 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 | DHI MORTGAGE COMPANY, LTD. | 922 | 5.375% | $3,343 | $0 | $2,006 |
| 2 | LENNAR MORTGAGE, LLC | 378 | 6.125% | $6,021 | $1,955 | $2,916 |
| 3 | PULTE MORTGAGE LLC | 266 | 6.125% | $714 | $0 | $4,640 |
| 4 | Loandepot.Com, LLC | 249 | 5.75% | $8,170 | $3,858 | $4,129 |
| 5 | T2 FINANCIAL LLC | 217 | 6.75% | $7,953 | $3,315 | $2,509 |
| 6 | NVR Mortgage Finance, Inc. | 217 | 6.625% | $5,818 | $3,570 | $3,984 |
| 7 | VANDERBILT MORTGAGE AND FINANCE, INC. | 186 | 6.25% | $4,996 | $1,495 | $1,605 |
| 8 | LOWER, LLC | 182 | 6.625% | $6,290 | $2,441 | $1,380 |
| 9 | Rocket Mortgage, LLC | 181 | 6.5% | $6,776 | $3,430 | $3,026 |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 166 | 6.5% | $8,761 | $3,147 | $1,809 |
| 11 | Mortgage Research Center, LLC | 144 | 6.25% | $4,559 | $0 | $992 |
| 12 | TIDEWATER MORTGAGE SERVICES, INC. | 142 | 6.625% | $5,771 | $1,924 | $2,056 |
| 13 | Gateway First Bank | 127 | 6.625% | $4,582 | $1,470 | $788 |
| 14 | MOVEMENT MORTGAGE, LLC | 123 | 6.625% | $5,404 | $1,595 | $2,351 |
| 15 | CROSSCOUNTRY MORTGAGE, INC. | 108 | 6.45% | $7,806 | $3,089 | $3,998 |
| 16 | VELOCIO MORTGAGE L.L.C. | 104 | 4.99% | $7,561 | $1,395 | $4,376 |
| 17 | FBC MORTGAGE, LLC | 98 | 5.312% | $6,042 | $1,095 | $8,680 |
| 18 | GUARANTEED RATE, INC. | 98 | 6.588% | $5,315 | $1,733 | $1,455 |
| 19 | Fairway Independent Mortgage Corporation | 96 | 6.875% | $6,235 | $1,833 | $1,497 |
| 20 | CMG MORTGAGE, INC. | 84 | 6.5% | $7,688 | $3,453 | $2,306 |
| 21 | Anderson Brothers Bank | 83 | n/a | n/a | n/a | n/a |
| 22 | AMERICAN FINANCIAL NETWORK, INC. | 82 | 6.625% | $8,705 | $2,662 | n/a |
| 23 | TRIAD FINANCIAL SERVICES, INC. | 78 | 8.58% | $11,302 | $8,569 | $8,877 |
| 24 | Alcova Mortgage LLC | 77 | 6.624% | $5,263 | $1,598 | $2,550 |
| 25 | AMERICAN PACIFIC MORTGAGE CORPORATION | 71 | 6.625% | $10,015 | $5,377 | $4,072 |
| 26 | Ameris Bank | 71 | 6.49% | $7,090 | $2,861 | $1,186 |
| 27 | EMM LOANS LLC | 70 | 6.5% | $6,851 | $2,156 | $1,718 |
| 28 | GUILD MORTGAGE COMPANY | 69 | 6.75% | $6,455 | $2,848 | $2,114 |
| 29 | South Atlantic Bank | 64 | n/a | n/a | n/a | n/a |
| 30 | SOUTHERN TRUST MORTGAGE, LLC | 61 | 6.625% | $6,955 | $3,470 | $2,560 |
| 31 | JET HOMELOANS, LP | 60 | 4.99% | $4,568 | $1,325 | $2,658 |
| 32 | TOLL BROTHERS MORTGAGE COMPANY | 59 | 6% | $7,470 | $3,778 | $10,875 |
| 33 | First Reliance Bank | 59 | 6.625% | $5,180 | $2,151 | $401 |
| 34 | Navy Federal Credit Union | 56 | 6.125% | $3,102 | $0 | $1,275 |
| 35 | Truist Bank | 56 | 6.49% | $5,081 | $1,569 | $1,061 |
| 36 | SouthState Bank, National Association | 55 | 6.625% | $4,665 | $1,495 | $848 |
| 37 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 51 | 6.625% | $6,531 | $2,776 | $2,220 |
| 38 | NATION ONE MORTGAGE CORPORATION | 48 | 6.375% | $21,651 | $5,137 | $6,684 |
| 39 | Wells Fargo Bank, National Association | 47 | 6.25% | $4,570 | $1,777 | $1,530 |
| 40 | The Conway National Bank | 45 | n/a | n/a | n/a | n/a |
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 Horry figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Horry County in 2025?
The median interest rate on closed home-purchase loans in Horry County, South Carolina in 2025 was 6.375%, across 7,048 first-lien, owner-occupied loans. The middle half of borrowers got between 5.75% and 6.875%.
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.