What people paid for mortgages in Sumter County, SC (2025)
Across 1,170 closed home-purchase loans in 2025, the median interest rate in Sumter was 6.375%, and the middle half of borrowers got between 5.99% and 6.75%. Median total loan costs ran $6,765 on a median loan of $225,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.375%
- Middle half of rates
- 5.99%–6.75%
- Median total loan costs
- $6,765
- Median loan amount
- $225,000
1,170 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.74%–6.625%
- Median total loan costs
- $4,846
- Median loan amount
- $215,000
443 loans, 2025.
Lowest median rates in Sumter (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.FBC MORTGAGE, LLC5.188%72 loans, median costs $7,235
- 2.Gateway First Bank6.188%80 loans, median costs $7,321
- 3.Mortgage Research Center, LLC6.25%113 loans, median costs $5,987
- 4.RESOURCE FINANCIAL SERVICES, INC.6.25%98 loans, median costs $8,767
- 5.First Heritage Mortgage, LLC6.25%36 loans, median costs $10,022
Among lenders with at least 30 closed purchase loans in Sumter County in 2025.
Refinance
- 1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.625%63 loans, median costs $5,013
- 2.Rocket Mortgage, LLC5.99%44 loans, median costs $7,216
- 3.FREEDOM MORTGAGE CORPORATION6.125%53 loans, median costs $4,199
- 4.SAFE FEDERAL CREDIT UNION6.375%40 loans, median costs $1,735
Among lenders with at least 30 closed refinance loans in Sumter County in 2025.
Lender by lender in Sumter
Every lender that closed at least 5 qualifying loans in Sumter 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 | Mortgage Research Center, LLC | 113 | 6.25% | $5,987 | $0 | $886 |
| 2 | RESOURCE FINANCIAL SERVICES, INC. | 98 | 6.25% | $8,767 | $2,368 | $1,965 |
| 3 | Gateway First Bank | 80 | 6.188% | $7,321 | $3,159 | $2,106 |
| 4 | MOVEMENT MORTGAGE, LLC | 74 | 6.5% | $6,682 | $1,774 | $861 |
| 5 | FBC MORTGAGE, LLC | 72 | 5.188% | $7,235 | $0 | $7,165 |
| 6 | SAFE FEDERAL CREDIT UNION | 55 | 6.375% | $3,130 | $950 | $2,850 |
| 7 | GUILD MORTGAGE COMPANY | 51 | 6.5% | $7,785 | $1,980 | $1,836 |
| 8 | Trustmark National Bank | 49 | 6.375% | $5,884 | $1,756 | $1,556 |
| 9 | Rocket Mortgage, LLC | 37 | 6.625% | $6,930 | $3,209 | $2,545 |
| 10 | First Heritage Mortgage, LLC | 36 | 6.25% | $10,022 | $4,119 | $4,528 |
| 11 | 21st Mortgage Corporation | 32 | 10.06% | $6,595 | $4,045 | n/a |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 28 | 6.61% | $9,219 | $3,404 | $2,096 |
| 13 | Navy Federal Credit Union | 27 | 6.125% | $3,822 | $0 | n/a |
| 14 | VANDERBILT MORTGAGE AND FINANCE, INC. | 23 | 10.3% | $2,439 | $0 | $796 |
| 15 | Ameris Bank | 21 | 5.99% | $10,072 | $2,906 | $2,463 |
| 16 | CROSSCOUNTRY MORTGAGE, INC. | 20 | 6.537% | $7,465 | $497 | $1,865 |
| 17 | USAA Federal Savings Bank | 20 | 6.125% | $5,021 | $682 | $1,207 |
| 18 | First-Citizens Bank & Trust Company | 20 | 6.35% | $4,648 | $1,553 | $240 |
| 19 | DHI MORTGAGE COMPANY, LTD. | 18 | 5.5% | $6,774 | $0 | $997 |
| 20 | NEWREZ LLC | 16 | 6.25% | $8,849 | $837 | $2,308 |
| 21 | Assurance Financial Group, L.L.C. | 11 | 6% | $9,046 | $2,051 | $668 |
| 22 | Fairway Independent Mortgage Corporation | 10 | 6.562% | $8,154 | $3,471 | $3,002 |
| 23 | SOUTHWEST STAGE FUNDING, LLC | 9 | 7.75% | $4,606 | $2,815 | n/a |
| 24 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 9 | 7.75% | $0 | $0 | $1,116 |
| 25 | GENEVA FINANCIAL, LLC | 8 | 6.688% | $4,845 | $1,770 | $1,111 |
| 26 | Integrity Home Mortgage Corporation | 8 | 6.625% | $5,675 | $1,525 | $1,996 |
| 27 | FREEDOM MORTGAGE CORPORATION | 8 | 5.75% | $6,661 | $3,131 | $4,083 |
| 28 | GUARANTEED RATE, INC. | 8 | 6.537% | $4,762 | $1,640 | $1,810 |
| 29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | 6.625% | $8,061 | $2,317 | $2,153 |
| 30 | JPMorgan Chase Bank, National Association | 8 | 6.625% | $4,272 | $1,552 | $1,003 |
| 31 | Broker Solutions, Inc. | 7 | 7.25% | $9,523 | $4,047 | $2,843 |
| 32 | MORTGAGE EQUITY PARTNERS LLC | 7 | 6% | $8,078 | $1,689 | n/a |
| 33 | INTERCOASTAL MORTGAGE, LLC | 6 | 6.688% | $11,595 | $2,583 | $2,147 |
| 34 | AMERICAN FINANCIAL RESOURCES, INC. | 5 | 6.75% | $7,428 | $2,816 | $2,816 |
| 35 | First Reliance Bank | 5 | 6.625% | $4,201 | $1,245 | $2,198 |
| 36 | Bank of America, National Association | 5 | 6.125% | $5,245 | $2,339 | $8,934 |
| 37 | Synovus Bank | 5 | 6.5% | $4,690 | $1,280 | $4,495 |
| 38 | Truist Bank | 5 | 6.49% | $6,179 | $2,265 | $1,518 |
| 39 | PENNYMAC LOAN SERVICES, LLC | 5 | 3.5% | $2,211 | $400 | $2,119 |
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 Sumter figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Sumter County in 2025?
The median interest rate on closed home-purchase loans in Sumter County, South Carolina in 2025 was 6.375%, across 1,170 first-lien, owner-occupied loans. The middle half of borrowers got between 5.99% and 6.75%.
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.