Compare South Carolina’s Mortgage Rates | Monday, October 6, 2025
Rates are current as of October 6, 2025 1:36 PM EDT
APR 6.13%
-0.22% 1wAPR 5.77%
0.02% 1wAPR 6.82%
-0.02% 1w
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The Nerdy headline
Online lender Tomo Mortgage uses tech to streamline the process. Its interactive rates tool and no origination fee promise are pluses, but loans aren’t available in every state.
NerdWallet rating
4.0
- Special program offers a pricing break for first first-time home buyers.
- Offers financing options for self-employed borrowers and those without Social Security numbers.
- Interactive mortgage rates tool takes credit score and location into account.
- Purchase loans are not available in all states.
- Doesn’t offer home equity loans or lines of credit.
- No refinancing options are available.
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The Nerdy headline
Midwest-rooted Central Bank offers an online application, which you can track via mobile app. But you’ll have to contact the bank for mortgage rates.
Home loans overall
NerdWallet rating
4.0
- Among the best when it comes to online convenience.
- Offers a full selection of mortgage types and products, including jumbo, home equity, and government loans.
- Claims to offer preapproval within 24 hours of loan application.
- You'll have to complete a loan application to see mortgage interest rates.
- Bank branch locations limited to the Midwest.
- Does not offer home equity lines of credit.
NMLS#1880338
APR
6.43%
APR
6.43%
Interest rate
6.38%
Est. mo. payment
$2,496/mo
Total fees
$2,380
Next Door Lending is a wholly-owned subsidiary of NerdWallet
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The Nerdy headline
Next Door Lending, a mortgage broker, offers expert assistance shopping for and closing a loan, as well as specialty loans at competitive rates. Mortgages are not available in every state.
- Offers a variety of loan types, including first-time buyer programs and loans for self-employed borrowers.
- Real-time rate quotes available while working with a broker.
- Responsive customer service.
- Competitive pricing often available, especially for non-traditional borrowers.
- Does not publish interest rates online.
- No mortgage mobile app.
- Loans are not available in every state.
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The Nerdy headline
Farmers Bank of Kansas City lets you browse rates and apply online, but branches are Kansas-only. Get discounts by using the bank’s partner real estate network.
Home loans overall
NerdWallet rating
4.5
- Displays customized rates, with fee estimates, without requiring contact information.
- Offers home equity loans and lines of credit.
- Mortgage origination fees are on the low side compared to other lenders, according to the latest federal data.
- Doesn’t offer government-backed FHA or USDA loans, or adjustable-rate mortgages.
- Home renovation loans are not available.
- Mortgage rates are on the high side compared to other lenders, according to the latest federal data.
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The Nerdy headline
Better stands out for its attractive interest rates and wide range of mortgage types, including for condos and manufactured homes. Better offers connections with homeowners insurance providers and real estate attorneys, as well as title insurance. However, the lender could improve its customer service.
Home loans overall
NerdWallet rating4.5
- Has a wide variety of mortgage types, including home equity products.
- Offers lower interest rates than many competitors.
- Sample online rates are customizable by location.
- We struggled to contact customer service.
- The lender scores poorly for customer satisfaction on Zillow.
- Does not offer construction loans.
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The Nerdy headline
New American Funding offers a large menu of loan products, as well as programs like first-time home buyer assistance, but personalized mortgage rates aren't available on its website.
Home loans overall
NerdWallet rating4.5
- Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
- Its home equity line of credit can be used for a primary residence or second home.
- Average origination fees are on the high side, according to the latest federal data.
- Personalized mortgage rates are not available on the website without providing contact information.
About these rates: The lenders whose rates appear on this table are NerdWallet's advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender's site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner's assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.
Explore South Carolina’s mortgage rate trends
See how rates have changed over time to understand past patterns and economic fluctuations
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Loan purpose
Loan type
South Carolina’s average 6.13%
South Carolina’s average mortgage rates today
| Product | Interest rate | APR |
|---|---|---|
| 30-year Fixed | 6.12% | 6.13% |
| 30-year Fixed FHA | 5.79% | 6.63% |
| 30-year Fixed VA | 5.75% | 5.96% |
| 20-year Fixed | 5.94% | 5.94% |
| 15-year Fixed | 5.75% | 5.77% |
| 10-year Fixed | 5.38% | 5.38% |
| 3-year ARM | 3.53% | 3.43% |
| 5-year ARM | 6.38% | 6.82% |
| 7-year ARM | 6.88% | 7.19% |
| 10-year ARM | 6.12% | 6.13% |
Accurate as of 10/06/2025.
Data source: ©Zillow, Inc. 2025. Use is subject to the Terms of Use
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Today’s mortgage rates in South Carolina | Monday, October 6, 2025
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