Lendtrain offers mortgage refinance rates in South Carolina. Licensed as Lendtrain (NMLS# 1844873). Wholesale rates for conventional and VA loans. No credit check for your quote.
Check Your South Carolina Mortgage Refinance Rate
Get a free rate quote from a licensed South Carolina mortgage broker. No application, no obligation. No credit check for your quote. Takes about 30 seconds.
South Carolina refinance closings require an attorney, so homeowners should compare the full estimate, not just the note rate. Lendtrain is a licensed mortgage broker in South Carolina with wholesale access for conventional and VA refinance options. APR, closing costs, loan balance, credit, and planned time in the home all matter.
Rates as of July 10, 2026
Today's South Carolina Refinance Rate Snapshot
| Product/term | Rate | APR | Points |
|---|---|---|---|
| Rate-and-term refinance30-year fixed | 6.250% | 6.294% | 0.12 |
| Cash-out refinance with $80,000 cash out30-year fixed | 7.000% | 7.049% | 0.15 |
Snapshot assumptions
Conventional refinance; 30-year fixed; $400,000 loan amount; 75% loan-to-value; 740 credit score; single-family home; primary residence; state: South Carolina; date generated: July 10, 2026. Cash-out row assumes $80,000 cash out.
Estimates are based on the stated assumptions. Rates change without notice. This is not a commitment to lend or an offer of credit. Your rate depends on your scenario. Atlantic Home Mortgage, LLC dba Lendtrain. NMLS #1844873. Equal Housing Opportunity.
Why Refinance in South Carolina With Lendtrain
See how Lendtrain helps South Carolina homeowners save on their mortgage refinance.
What to Expect at Closing
South Carolina requires an attorney at closing. We break down all estimated costs — attorney fees and everything else — so you see the full picture before moving forward.
Wholesale Rates Work for You
We search wholesale lenders to surface your rate. Estimated rate in about 30 seconds. Rates vary by profile and market.
Licensed in South Carolina
Lendtrain (NMLS# 1844873) is a licensed mortgage broker in South Carolina. A real brokerage that works for you, not a site that sells leads.
About 30 Seconds to Your Rate
Answer a few questions about your loan. See your estimated savings almost instantly. No application needed, no credit pull for your quote.
How It Works
No paperwork, no waiting on hold. Get a real rate quote, see your estimated closing costs, and find out how much you could save — in four simple steps.
Enter Your Mortgage Details
Answer a few quick questions about your current mortgage — or upload your mortgage statement and we'll pull your rate, balance, and loan type automatically.
Get Your Rate Quote
We pull live wholesale rates based on your exact scenario. No guessing — real numbers.
See Your Monthly Savings
See exactly how much you could lower your monthly mortgage payment, your breakeven timeline on closing costs, and total interest savings over the life of the loan.
Lock Your Rate and Apply
Ready to lock in your refinance rate? Apply online in minutes — no branch visit required.
Takes about 30 seconds. No credit check for your quote.
Frequently Asked Questions About South Carolina Refinancing
What are current refinance rates in South Carolina?
How much does it cost to refinance in South Carolina?
Is Lendtrain licensed in South Carolina?
Do I need a credit check to see my rate?
What loan types are available for South Carolina refinancing?
How long does it take to refinance in South Carolina?
How do you refinance your mortgage?
When does refinancing make sense?
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Can you refinance with a different lender?
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Are mortgage refinance fees tax deductible?
Market facts on this page were last reviewed on . Each statistic is attributed to its source where it appears.
County Refinance Guides in South Carolina
County-level guides with sourced local market data — home values, loan limits, and the underwriting questions specific to each South Carolina county we serve.
Beaufort County
Beaufort posted the strongest five-year price climb in our SC set — about 74% since 2020 (FHFA via FRED) — with a $546,036 typical value (Zillow, April 2026) and two Marine Corps installations. A Lowcountry guide for military and resort-coast owners.
Read the guide →Berkeley County
Berkeley has the newest housing in our SC set (median build 2002, Census ACS 2024), 3.2% annual growth, and Volvo and Google investing on opposite ends of the county. A guide for Nexton and Cane Bay owners — with a 30-second quote.
Read the guide →Charleston County
Charleston holds South Carolina's highest typical home value — $615,257 (Zillow, April 2026) after a 71% climb since 2020 (FHFA via FRED) — which is where jumbo and flood-insurance questions start. A Lowcountry guide with a 30-second quote.
Read the guide →Greenville County
Greenville is South Carolina's largest county — 548,166 residents and 152,025 owner households (Census ACS 2024) — and one of the few still appreciating, up 2.5% to a $337,489 typical value (Zillow, April 2026). Equity guide plus a 30-second quote.
Read the guide →Horry County
The Myrtle Beach metro ranked second-fastest-growing in the nation (Census estimates, March 2026), yet Horry values slipped 1.6% to $316,528 (Zillow, April 2026). A Grand Strand guide that answers the condo question honestly — with a 30-second quote.
Read the guide →Richland County
Richland County pairs the state's longest-tenured owners (median move-in 2013, Census ACS 2024) with its most affordable big-county values ($244,721, Zillow April 2026) — plus Fort Jackson and the $2B Scout Motors plant. Guide with a 30-second quote.
Read the guide →Spartanburg County
BMW's largest plant in the world anchors Spartanburg — $9 billion in 2025 vehicle exports (BMW Group, March 2026) — and county values are still rising, up 2.4% to $277,787 (Zillow, April 2026). A guide for manufacturing households, with a 30-second quote.
Read the guide →York County
York County pairs the highest median household income in our SC set — $89,095 (Census ACS 2024) — with newer housing (median build 2000) and a $391,765 typical value (Zillow, April 2026). A Fort Mill-to-Rock Hill guide with a 30-second quote.
Read the guide →Related Refinance Pages
Refinance Your Greenville County Home
Greenville is South Carolina's largest county — 548,166 residents and 152,025 owner households (Census ACS 2024) — and one of the few still appreciating, up 2.5% to a $337,489 typical value (Zillow, April 2026). Equity guide plus a 30-second quote.
Check rates →Refinance Your Richland County Home
Richland County pairs the state's longest-tenured owners (median move-in 2013, Census ACS 2024) with its most affordable big-county values ($244,721, Zillow April 2026) — plus Fort Jackson and the $2B Scout Motors plant. Guide with a 30-second quote.
Check rates →Refinance Your Charleston County Home
Charleston holds South Carolina's highest typical home value — $615,257 (Zillow, April 2026) after a 71% climb since 2020 (FHFA via FRED) — which is where jumbo and flood-insurance questions start. A Lowcountry guide with a 30-second quote.
Check rates →Cash-Out Refinance — Check Your Rate in 30 Seconds
Check cash-out refinance rates in about 30 seconds. Licensed mortgage broker (NMLS# 1844873). No credit check for your quote. See estimated cash available.
Check rates →Check Your North Carolina Mortgage Refinance Rate
Check your North Carolina mortgage refinance rate in about 30 seconds. Wholesale rates from a licensed mortgage broker (NMLS# 1844873). No credit check for your quote. Free rate check.
Check rates →Ready to Check Your South Carolina Rate?
Takes about 30 seconds. No credit check for your quote.
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Rate quotes are estimates based on the credit score you provide. Actual rates may differ based on verified credit, income, and property details.
Lendtrain (NMLS# 1844873) is licensed to originate mortgages in South Carolina. NMLS# 1844873.