Top Mortgage Lenders in Orangeburg, SC

Which mortgage lender in the Orangeburg, SC area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Orangeburg, SC area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Orangeburg, SC area in terms of interest rate is South State Bank, with an average “Rate Difference” of -0.12%. This means that, comparing similar borrowers, South State Bank provided a -0.12% lower interest rate for its customers than other lenders in the area. South State Bank has a market share of 35.7%. On the other hand, the most popular lender in the Orangeburg, SC area is Quicken Loans, with a larger market share of 44.7%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.06% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Orangeburg, SC area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Orangeburg, SC is South State Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is South State Bank. The cheapest VA mortgage provider is First Citizens Bank. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Orangeburg, SC

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
South State Bank-0.12%(4.0)35.68%
Quicken Loans0.06%(3.0)44.72%
First Citizens Bank0.07%(3.0)19.60%
Lender NameRate DifferenceRate RatingMarket Share
South State Bank-0.07%(4.0)54.43%
First Citizens Bank0.07%(3.0)17.72%
Quicken Loans0.10%(3.0)27.85%
Lender NameRate DifferenceRate RatingMarket Share
South State Bank-0.15%(4.5)23.33%
Quicken Loans0.04%(3.5)55.83%
First Citizens Bank0.06%(3.0)20.83%
Lender NameRate DifferenceRate RatingMarket Share
South State Bank-0.10%(4.0)45.45%
Quicken Loans0.09%(3.0)32.47%
First Citizens Bank0.09%(3.0)22.08%
Lender NameRate DifferenceRate RatingMarket Share
South State Bank-0.05%(4.0)68.85%
First Citizens Bank0.10%(3.0)16.39%
Quicken Loans0.13%(3.0)14.75%
Lender NameRate DifferenceRate RatingMarket Share
South State Bank-0.14%(4.0)30.11%
Quicken Loans0.06%(3.0)44.09%
First Citizens Bank0.07%(3.0)25.81%
Lender NameRate DifferenceRate RatingMarket Share
South State Bank-0.02%(3.5)3.03%
First Citizens Bank-0.02%(3.5)12.12%
Quicken Loans0.00%(3.5)84.85%
Lender NameRate DifferenceRate RatingMarket Share
South State Bank-0.02%(3.5)7.69%
First Citizens Bank-0.02%(3.5)23.08%
Quicken Loans0.01%(3.5)69.23%
Lender NameRate DifferenceRate RatingMarket Share
First Citizens Bank-0.00%(3.5)5.00%
Quicken Loans0.00%(3.5)95.00%
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Lender NameRate DifferenceRate RatingMarket Share
First Citizens Bank-0.04%(3.5)8.33%
Quicken Loans0.00%(3.5)91.67%
Lender NameRate DifferenceRate RatingMarket Share
First Citizens Bank-0.01%(3.5)20.00%
Quicken Loans0.00%(3.5)80.00%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans0.00%(3.5)100.00%

* Data is compiled for the Orangeburg, SC commuting zone area, which comprises of counties of Allendale County, SC, Bamberg County, SC, Barnwell County, SC, Calhoun County, SC, and Orangeburg County, SC. This includes cities/towns/communities of Orangeburg, SC as well as Santee, SC, Barnwell, SC, Eutawville, SC, St. Matthews, SC, Elloree, SC, Wilkinson Heights, SC, Cameron, SC, Branchville, SC, Cordova, SC, Williston, SC, Holly Hill, SC, Bowman, SC, North, SC, Snelling, SC, Brookdale, SC, Neeses, SC, Bamberg, SC, Edisto, SC, Springfield, SC, Denmark, SC, Allendale, SC, Blackville, SC, Ehrhardt, SC, Sycamore, SC, Olar, SC, and Fairfax, SC. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings in Other Cities

This page contains information about the top mortgage lenders in the Orangeburg, SC area. For mortgage lender rankings in other cities, click here.