South Carolina · Q1 2026
What South Carolina borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 728 lenders.
Published 2026-04-29.
South Carolina · headline
The gap between South Carolina's lowest- and highest-cost ranked lenders in 2025 was $5,644 on a typical loan — borrowers using United Wholesale Mortgage paid roughly 210% more than borrowers using Navy Federal Credit Union on similar loans.
Source: FFIEC HMDA 2025 (n=110,898)
In 2025, 728 mortgage lenders originated 110,898 reportable loans in South Carolina according to FFIEC HMDA data. The median borrower paid $5,623 in total loan costs. That is 32.6% above the national median across all 50 states and DC.
South Carolina's median total loan cost was $5,623, 32.6% above the national median of $4,242. On a typical loan, that translates to roughly $1,381 more than borrowers paid in the average state.
Navy Federal Credit Union posted the lowest median total loan costs at $2,685, 52.2% below the South Carolina median. Across the ranked lenders, 9 earned an A grade against peer averages and 1 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in South Carolina are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $5,304 | $3,219 | 9,745 | A |
| 2 | United Wholesale Mortgage | $8,329 | $4,343 | 5,839 | D |
| 3 | DHI Mortgage Company, LTD. | $6,852 | $1,068 | 4,088 | B |
| 4 | Movement Mortgage | $6,355 | $2,292 | 2,744 | A |
| 5 | Lennar Mortgage, LLC | $6,897 | $3,128 | 2,666 | B |
| 6 | loanDepot.com, LLC | $7,344 | $3,365 | 2,630 | C |
| 7 | Guild Mortgage | $6,232 | $2,737 | 2,574 | A |
| 8 | Mortgage Research Center, LLC | $4,577 | $2,812 | 2,333 | A |
| 9 | Freedom Mortgage | $5,662 | $3,185 | 2,152 | A |
| 10 | Pennymac | $5,590 | $2,434 | 2,148 | A |
South Carolina median total loan cost
South Carolina borrowers paid a median $5,623 in total loan costs in 2025, based on 110,898 HMDA-reported loans across 728 lenders.
FFIEC HMDA 2025
Lender spread in South Carolina
In South Carolina, the gap between Navy Federal Credit Union ($2,685 median) and United Wholesale Mortgage ($8,329 median) was $5,644 on a typical 2025 loan.
FFIEC HMDA 2025
South Carolina vs. national
South Carolina closing costs ran 32.6% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in South Carolina was $2,128, with the typical lender clustering tightly around that figure. Discount points appeared on 58% of loans, with a median paid amount of $2,260 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 31% of loans, with a median credit of $459.
Avg $3,485
Median $2,260 when present
Median $459 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in South Carolina) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for South Carolina
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