Who has the best mortgage rates in South Carolina?
I’m looking for a primary, single-family home in for , and credit score.
Insights
Negotiate everything—rates, fees, and terms are not set in stone.

Lenders with low rates in SC
TrueRate analyzed the rates lenders actually gave to buyers for the last three years and found only a few lenders likely to get you a good deal.
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Insights
Negotiate everything—rates, fees, and terms are not set in stone.

Lenders in SC likely to have high rates
We don’t accept advertising, so you can get the real lender story. TrueRate looked at 78 lenders and found that these lenders are likely to offer you a high rate.
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Insights
Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.

Lenders with average rates in SC
You deserve better than what these lenders historically provide.
Sorry, no lenders were found.
Methodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Don’t let lenders pull a fast one on you
Learn how really low rates often come with hidden fees. Drag the slider to see how rates and fees are connected.
Insights

TrueRate report
See how mortgage companies got home buyers to over-pay by billions.
Get the reportMethodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
South Carolina is shaping up to be a fantastic place to buy a home right now
With interest rates continuing to improve throughout 2024 and expected to ease even further into 2025, the outlook is promising for homebuyers. Lower rates allow for more flexibility in your budget, making it easier to find the right home in the Palmetto State.
South Carolina offers a diverse range of real estate options. Charleston, known for its Southern charm, coastal views, and thriving food scene, has seen rising home prices in recent years. However, with mortgage rates trending downward, now may be a good time to consider making a move—especially if coastal living is high on your wishlist.
If you’re looking for more budget-friendly options, cities like Columbia and Greenville offer strong communities, growing economies, and more attainable home prices. For those who prefer a quieter pace, South Carolina also boasts beautiful rural areas and small towns where you can find larger properties and excellent value.
Whether you’re drawn to the coastline, city life, or a peaceful countryside setting, South Carolina has something for everyone. With mortgage rates becoming more favorable and a wide range of housing options across the state, now is a smart time to begin your home search in this vibrant and scenic part of the country.