Columbia, SC Mortgage Rates and Refinance Rates

Columbia, South Carolina Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Columbia, SC. Our rate table has a list of Columbia, South Carolina mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current mortgage rates in Columbia, SC you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Columbia, SC include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Columbia, SC listed below.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 29206, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
eRates Mortgage Logo
NMLS # 1071
State Lic # MLS - 1071 OTN
(877) 210-6855
at 0.100 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $700
Thank you for your inquiry, we will be in touch shortly. 
 
First Mortgage Direct Logo
NMLS # 244476
State Lic # 244476
at 1.000 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $947
 
 
e-Lend Logo
NMLS # 2826
State Lic # MLS2826
at 1.000 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $1,238
 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # MLS - 66247
(877) 407-3813
at 0.100 pts
30 day lock rate
Est payment: $953.68
Fees in APR: $3,870
Thank you for your inquiry, we will be in touch shortly. 
 
at 0.100 pts
60 day lock rate
Est payment: $995.62
Fees in APR: $2,617
Thank you for your inquiry! We look forward to working with you. 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 790396
at 1.000 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $1,794
 
Flagstar Bank Logo
NMLS # 417490
at 0.100 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $2,412
Thank you for your inquiry! 
 
McGlone Mortgage Group Logo
NMLS # 3232
State Lic # MLS -3232
(877) 475-4039
at 0.000 pts
40 day lock rate
Est payment: $998.57
Fees in APR: $570
 
 
First Mortgage Direct Logo
NMLS # 244476
State Lic # 244476
at 0.000 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: None
 
 
Ally Bank Logo
NMLS # 181005
at 0.000 pts
60 day lock rate
Est payment: $1,028.28
Fees in APR: $865
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # MLS - 1071 OTN
(877) 210-6855
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
Flagstar Bank Logo
NMLS # 417490
at 0.000 pts
30 day lock rate
Est payment: $1,028.28
Fees in APR: $368
Thank you for your inquiry! 
 
e-Lend Logo
NMLS # 2826
State Lic # MLS2826
at 0.000 pts
30 day lock rate
Est payment: $1,013.37
Fees in APR: None
 
 
at 0.000 pts
60 day lock rate
Est payment: $1,028.28
Fees in APR: $355
Thank you for your inquiry! We look forward to working with you. 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 790396
at 0.000 pts
30 day lock rate
Est payment: $998.57
Fees in APR: None
 
LendingHome Funding Corporation Logo
NMLS # 1125207
State Lic # 1125207
(877) 560-3031
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $750
 
 
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # 2925
at 0.000 pts
45 day lock rate
Est payment: $1,013.37
Fees in APR: $299
 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # MLS - 66247
(877) 407-3813
at 0.000 pts
30 day lock rate
Est payment: $982.71
Fees in APR: $1,686
Thank you for your inquiry, we will be in touch shortly. 
 
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 790396
at 2.000 pts
30 day lock rate
Est payment: $954.83
Fees in APR: $3,934
 
Flagstar Bank Logo
NMLS # 417490
at 1.100 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $1,612
Thank you for your inquiry! 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # MLS - 1071 OTN
(877) 210-6855
at 1.100 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $1,575
Thank you for your inquiry, we will be in touch shortly. 
 
at 1.100 pts
60 day lock rate
Est payment: $975.12
Fees in APR: $2,435
Thank you for your inquiry! We look forward to working with you. 
 
Sebonic Financial Logo
NMLS # 66247
State Lic # MLS - 66247
(877) 407-3813
at 1.100 pts
30 day lock rate
Est payment: $939.33
Fees in APR: $3,462
Thank you for your inquiry, we will be in touch shortly. 
 
First National Bank of Pennsylvania
4.416%
2/13/2018
4.375%
at 0.000 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $963
 
 
Bank of America
4.717%
2/20/2018
4.625%
at 0.501 pts
60 day lock rate
Est payment: $1,028.28
Fees in APR: $1,119
 
 
The Fidelity Bank
4.787%
2/16/2018
4.750%
at 0.000 pts
30 day lock rate
Est payment: $1,043.29
Fees in APR: $863
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.





Columbia, SC Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of South Carolina. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Columbia, SC mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Columbia, SC mortgage loans that have been made. As a result, Columbia, SC mortgage rates today are lower than jumbo interest rates in Columbia, SC. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Columbia, SC Super Conforming Home Loan Rates

Super conforming mortgages in Columbia, SC are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Columbia, SC Jumbo Loan Interest Rates

Columbia, SC jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Columbia, SC are usually 0.75 basis points higher than conforming mortgage rates in Columbia, SC because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Columbia, SC Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Columbia, SC. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Columbia, SC Adjustable Interest Rates

Columbia, SC adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Columbia, SC Interest Only Home Mortgage Rates

Columbia, SC interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Columbia, SC FHA Mortgage Mortgage Rates

Borrowers in Columbia, SC must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Columbia, SC are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.


Google Map for Columbia, SC Rates & Resources


Columbia FDIC Insured Banks

Bank Name

FDIC Cert Number

Address

Ameris Bank

20504 1301 Gervais Street, Columbia, SC 29207

Ameris Bank

20504 1301 Gervais Street, Suite 700, Columbia, SC 29201

Arthur State Bank

15085 121 Sparkleberry Crossing, Columbia, SC 29229

Arthur State Bank

15085 1700 Gervais Street, Columbia, SC 29201

Arthur State Bank

15085 2140 Beltline Branch, Columbia, SC 29209

Arthur State Bank

15085 6140 St. Andrews Road, Columbia, SC 29210

Arthur State Bank

15085 7001 Garners Ferry Road, Columbia, SC 29209

Bank of America, National Association

3510 104 Regency Drive, Columbia, SC 29212

Bank of America, National Association

3510 1301 Gervais Street, Columbia, SC 29201

Bank of America, National Association

3510 1901 Main Street, Columbia, SC 29201

Bank of America, National Association

3510 2095 Betline Blvd, Columbia, SC 29204

Bank of America, National Association

3510 2111 Devine Street, Columbia, SC 29205

Bank of America, National Association

3510 2805 North Main Street, Columbia, SC 29201

Bank of America, National Association

3510 301 Harbison Boulevard, Columbia, SC 29212

Bank of America, National Association

3510 330 Bush River Road, Columbia, SC 29210

Bank of America, National Association

3510 3336 Millwood Avenue, Columbia, SC 29205

Bank of America, National Association

3510 4300 St. Andrews Road, Columbia, SC 29210

Bank of America, National Association

3510 4601 Hard Scrabble Road, Columbia, SC 29229

Bank of America, National Association

3510 5004 Trenholm Road, Columbia, SC 29206

Bank of America, National Association

3510 7373 Two Notch Road, Columbia, SC 29223

Bank of America, National Association

3510 7405 Two Notch Road, Columbia, SC 29223

Bank of America, National Association

3510 7547 Garners Ferry Road, Columbia, SC 29209

Bank of America, National Association

3510 9732 Two Notch Road, Columbia, SC 29223

BankMeridian, N.A.

58222 1320 Main Street, Columbia, SC 29201

Branch Banking and Trust Company

9846 1901 Assembly Street, Columbia, SC 29201

Branch Banking and Trust Company

9846 205 Forum Drive, Columbia, SC 29229

Branch Banking and Trust Company

9846 291 Harbison Boulevard, Columbia, SC 29212

Branch Banking and Trust Company

9846 3401 Forest Drive, Columbia, SC 29204

Branch Banking and Trust Company

9846 418 Bush River Road, Columbia, SC 29210

Branch Banking and Trust Company

9846 6098 Garners Ferry Rd, Columbia, SC 29209

Branch Banking and Trust Company

9846 8910 Two Notch Road, Columbia, SC 29223

Branch Banking and Trust Company

9846 8920 Farrow Road, Columbia, SC 29203

Carolina First Bank

26849 10000 Two Notch Road, Columbia, SC 29223

Carolina First Bank

26849 1501 Main Street, Columbia, SC 29201

Carolina First Bank

26849 1940 Blossom Street, Columbia, SC 29205

Carolina First Bank

26849 380 St. Andrews Road, Columbia, SC 29210

Carolina First Bank

26849 4875 Forest Drive, Columbia, SC 29206

Carolina First Bank

26849 7389 Garners Ferry Road, Columbia, SC 29209

Carolina First Bank

26849 8850 Farrow Road, Columbia, SC 29203

First Citizens Bank and Trust Company, Inc.

15504 1230 Main Street, Columbia, SC 29201

First Citizens Bank and Trust Company, Inc.

15504 1301 Park Street, Columbia, SC 29201

First Citizens Bank and Trust Company, Inc.

15504 131 Forum Drive, Columbia, SC 29229

First Citizens Bank and Trust Company, Inc.

15504 1612 St. Julian Place, Columbia, SC 29204

First Citizens Bank and Trust Company, Inc.

15504 2350 Broad River Road, Columbia, SC 29210

First Citizens Bank and Trust Company, Inc.

15504 2600 Rosewood Drive, Columbia, SC 29205

First Citizens Bank and Trust Company, Inc.

15504 2621 North Main Street, Columbia, SC 29201

First Citizens Bank and Trust Company, Inc.

15504 2638 Two Notch Road, Columbia, SC 29204

First Citizens Bank and Trust Company, Inc.

15504 2760 Clemson Road, Columbia, SC 29229

First Citizens Bank and Trust Company, Inc.

15504 4801 Forest Drive, Columbia, SC 29206

First Citizens Bank and Trust Company, Inc.

15504 6824 North Main St, Columbia, SC 29203

First Citizens Bank and Trust Company, Inc.

15504 7039 Parklane Road, Columbia, SC 29223

First Citizens Bank and Trust Company, Inc.

15504 7366 Garners Ferry Rd, Columbia, SC 29209

First Citizens Bank and Trust Company, Inc.

15504 9800 Two Notch Road, Columbia, SC 29204

First Community Bank, National Association

34047 4404 Forest Drive, Columbia, SC 29206

First Community Bank, National Association

34047 9822 Two Notch Road, Columbia, SC 29223

First South Bank

34222 1333 Main Street, Suite 100, Columbia, SC 29201

NAFH National Bank

59049 10134 Two Notch Road, Columbia, SC 29223

NAFH National Bank

59049 1350 Main Street, Columbia, SC 29201

NAFH National Bank

59049 4840 Forest Drive, Columbia, SC 29206

NAFH National Bank

59049 6041 Garners Ferry Road, Columbia, SC 29209

RBC Bank (USA)

33184 701 Gervais Street, Columbia, SC 29201

Regions Bank

12368 1010 Gervais Street, Columbia, SC 29201

Regions Bank

12368 149 Columbiana Drive, Columbia, SC 29212

Regions Bank

12368 149 Forum Drive, Columbia, SC 29229

Regions Bank

12368 5490 Forest Drive, Columbia, SC 29202

SCBT National Association

13425 2010 Clemson Road, Columbia, SC 29229

SCBT National Association

13425 3920 Forest Drive, Columbia, SC 29204

SCBT National Association

13425 520 Gervais Street, Columbia, SC 29201

South Carolina Community Bank

35241 1545 Sumter Street, Columbia, SC 29201

South Carolina Community Bank

35241 4103 West Belt Line Boulevard, Columbia, SC 29204

Synovus Bank

873 1025 Broad River Road, Columbia, SC 29210

Synovus Bank

873 1241 Main Street, Columbia, SC 29201

Synovus Bank

873 1311 Pendleton Street, Columbia, SC 29201

Synovus Bank

873 217 Forum Drive, Village At Sandhills, Columbia, SC 29229

Synovus Bank

873 2401 Devine Street, Columbia, SC 29205

Synovus Bank

873 27 Trenholm Plaza, Columbia, SC 29206

Synovus Bank

873 7851 Garners Ferry Road, Columbia, SC 29209

Synovus Bank

873 9370 Two Notch Road, Columbia, SC 29223

VistaBank

58650 1219 Assembly St, Columbia, SC 29201

Wells Fargo Bank, National Association

3511 101 Forum Drive, Columbia, SC 29203

Wells Fargo Bank, National Association

3511 101 Greystone Boulevard, Columbia, SC 29210

Wells Fargo Bank, National Association

3511 10136 Two Notch Road, Suite 102, Columbia, SC 29229

Wells Fargo Bank, National Association

3511 1441 Main Street, Columbia, SC 29202

Wells Fargo Bank, National Association

3511 1500 Hampton Street, Columbia, SC 29205

Wells Fargo Bank, National Association

3511 1628 Browning Road, Columbia, SC 29210

Wells Fargo Bank, National Association

3511 165 Columbiana Drive, Columbia, SC 29212

Wells Fargo Bank, National Association

3511 331 Harbison Boulevard, Columbia, SC 29212

Wells Fargo Bank, National Association

3511 3500 Forest Drive, Columbia, SC 29204

Wells Fargo Bank, National Association

3511 4408 Forest Drive, Columbia, SC 29206

Wells Fargo Bank, National Association

3511 4800 Garners Ferry Road, Columbia, SC 29209

Wells Fargo Bank, National Association

3511 6119 St. Andrews Road, Columbia, SC 29212

Wells Fargo Bank, National Association

3511 6700 Garners Ferry Road, Columbia, SC 29209

Wells Fargo Bank, National Association

3511 705 Saluda Avenue, Columbia, SC 29205

Wells Fargo Bank, National Association

3511 7305 Two Notch Road, Columbia, SC 29223

Wells Fargo Bank, National Association

3511 8800 Farrow Road, Columbia, SC 29203

Wells Fargo Bank, National Association

3511 9007 Two Notch Road, Columbia, SC 29223

Wells Fargo Bank, National Association

3511 930 Assembly Street, Columbia, SC 29201

Wells Fargo Bank, National Association

3511 Green Street And Bull Street, Columbia, SC 29205

Wells Fargo Bank, National Association

3511 Lee Road & Strom Thurmond Blvd, Columbia, SC 29206