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20-Year Fixed Conforming Mortgage Refinance

2025

Compare South Carolina 20-Year Fixed Conforming Mortgage Refinance Rates with a loan amount of $320,000. Use the search box below to change the mortgage product or the loan amount. Click the lender name to view more information.

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Spartanburg, South Carolina 20-Year Fixed Conforming Mortgage Refinance

November 17, 2025
Average: 6.55% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
Refi.com NMLS ID: 1907	Keep more money in your pocket by rolling closing costs into your loan Maximize your savings with custom options that fit your financial goals Tap into your home’s equity with a cash-out refinance 20 Yr Fixed		$0	Learn More
Direct Home Lending NMLS ID: 274058	5.723% 20 Yr Fixed	5.625% Fees & Points $2,573 Total 0.618 Pts: $1,978 $595 Fees	$2,224	Learn More See Table View
Midwest Mortgage Lending NMLS ID: 2262032 License#: 2262032	5.848% 20 Yr Fixed	5.625% Fees & Points $5,850 Total 1.000 Pts: $3,200 $2,650 Fees	$2,224	Learn More See Table View
Carolinas Capital Lending Inc NMLS ID: 2715366 License#: 2715366	5.867% 20 Yr Fixed	5.750% Fees & Points $3,050 Total 0.625 Pts: $2,000 $1,050 Fees	$2,247	Learn More See Table View
Pure Rate Mortgage NMLS ID: 2578474	5.888% 20 Yr Fixed	5.750% Fees & Points $3,610 Total 0.800 Pts: $2,560 $1,050 Fees	$2,247	Learn More See Table View
Bergen Mortgage Enterprise LLC NMLS ID: 1897215	5.998% 20 Yr Fixed	5.875% Fees & Points $3,200 Total 1.000 Pts: $3,200 $0 Fees	$2,270	Learn More See Table View
Northpointe Bank NMLS ID: 447490	6.105% 20 Yr Fixed	5.990% Fees & Points $2,966 Total 0.927 Pts: $2,966 $0 Fees	$2,291	Learn More See Table View
Refi.com NMLS ID: 1907 License#: South Carolina	6.106% 20 Yr Fixed	5.990% Fees & Points $3,002 Total 0.938 Pts: $3,002 $0 Fees	$2,291	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	6.106% 20 Yr Fixed	5.875% Fees & Points $6,000 Total 0.875 Pts: $2,800 $3,200 Fees	$2,270	Learn More See Table View
New American Funding, LLC. NMLS ID: 6606	6.367% 20 Yr Fixed	6.250% Fees & Points $2,995 Total 0.936 Pts: $2,995 $0 Fees	$2,339	Learn More See Table View
Quicken Loans NMLS ID: 167283	Homeowners best kept secret for cash See if a HELOAN could lower payments Access cash without a changing your rate It costs $0 to see how much you could get with a lender 20 Yr Fixed			Learn More
Veterans United Home Loans NMLS ID: 1907	Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews 20 Yr Fixed			Learn More
Rocket Mortgage NMLS ID: 3030	Turn home equity you've earned into cash Single, convenient monthly payments Reduce interest with shorter loan terms Get personalized solutions for your goals 20 Yr Fixed			Learn More
Beeline Loans, Inc. NMLS ID: 1799947	Apply in less than 10 minutes. Fast, stress-free closing in as little as 14 days More loan types so you’re more likely to qualify "The smoothest refi experience I’ve ever had" - TR, Houston 20 Yr Fixed			Learn More
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
First Community Bank South Carolina Updated 09/22/2023	0.00%	0.00% 0.00 points $0.00 fees	$nan	Learn MoreShow Less See Table View
Pnc Bank, National Association Updated 10/04/2022	6.11%	5.88% 0.00 points $3,210.00 fees	$2,269.56	Learn MoreShow Less See Table View
Truist Bank Updated 06/15/2022	8.27%	8.00% 0.00 points $3,658.00 fees	$2,676.61	Learn MoreShow Less See Table View
Data provided by BestCashCow

Advertiser Disclosure: The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

¹ Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Rates from this table are based on loan amount of $320,000 and a variety of factors including credit score and loan to value ratios. Rates may change at any time and are not guaranteed to be correct. For specific requirements please check with the lender.

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Spartanburg, South Carolina 20-Year Fixed Conforming Mortgage Refinance

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