South Carolina mortgage rates November 12, 2026: reading points
On November 12, 2026 at 12:31 PM ET, RateVerdict priced a $400,000 30-year fixed South Carolina refinance with 780+ credit and the rate closest to $0 at closing was 6.750% (6.791% APR) at 0.125 points, which is $500 on that loan (source: RateVerdict South Carolina rate table).
The short answer for November 12, 2026
RateVerdict priced one South Carolina loan at 12:31 PM ET on Thursday, November 12, 2026: a $400,000 30-year fixed refinance with a credit score of 780 or higher, priced against dozens of lenders (source: RateVerdict South Carolina rate table, as of November 12, 2026, 12:31 PM ET).
The rate closest to $0 at closing was 6.750%, with a 6.791% APR and $500 in points. The top of the table was 6.375%, with a 6.605% APR and $8,464 in points (same source and time).
How to read the points column
A point is 1% of the loan amount. On the $400,000 sample loan, one point is $4,000. The table shows points as a decimal so you can turn them into dollars.
On South Carolina's Thursday table, 6.750% carried 0.125 points: 0.125 times $4,000 is $500. The top row, 6.375%, carried 2.116 points, or $8,464. A negative number is a credit: 7.875% showed -3.181 points, a $12,724 credit (source: RateVerdict South Carolina rate table, as of November 12, 2026, 12:31 PM ET).
| Rate | APR | Points | Points times $4,000 |
|---|---|---|---|
| 6.375% | 6.605% | 2.116 | $8,464 cost |
| 6.500% | 6.652% | 1.277 | $5,108 cost |
| 6.625% | 6.690% | 0.375 | $1,500 cost |
| 6.750% | 6.791% | 0.125 | $500 cost |
| 6.875% | 6.899% | -0.348 | $1,392 credit |
| 7.000% | 7.024% | -0.834 | $3,336 credit |
| 7.125% | 7.152% | -1.247 | $4,988 credit |
| 7.250% | 7.274% | -1.690 | $6,760 credit |
| 7.375% | 7.399% | -2.119 | $8,476 credit |
| 7.500% | 7.524% | -2.487 | $9,948 credit |
| 7.625% | 7.649% | -2.873 | $11,492 credit |
| 7.875% | 7.904% | -3.181 | $12,724 credit |
Using points on your own quote
- Multiply the points by 1% of your own loan amount to get dollars. On a smaller loan, the same points cost fewer dollars.
- A Loan Estimate lists points in dollars. Check that the dollars match the points you were quoted.
- Points are separate from other closing costs such as title, appraisal and recording fees.
Today's South Carolina table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
See today's South Carolina ratesA South Carolina rule worth knowing
South Carolina's deed recording fee applies to deeds that transfer realty: $1.30 state and $0.55 county for each $500 of the realty's value. (source: S.C. Code sections 12-24-10 and 12-24-90).
See today's rate for your scenario
This post is one sample loan on one day. The South Carolina rate table on this site shows the current weekday table, and the South Carolina rate history page keeps past weekday snapshots. To compare states, see mortgage rates by state. To price your own balance, home value and credit range, use the rate tool on this site, with every rate shown beside its APR.
Common questions
What was the 30-year fixed refinance rate closest to $0 at closing in South Carolina on November 12, 2026?
It was 6.750% with a 6.791% APR and $500 in points for the $400,000 South Carolina sample refinance with 780+ credit (source: RateVerdict South Carolina rate table, November 12, 2026, 12:31 PM ET).
How much is one mortgage point?
One point is 1% of the loan amount. On a $400,000 loan that is $4,000, and 0.125 points is $500.
What do negative points mean?
Negative points are a lender credit toward your closing costs. On November 12, 2026, 7.875% showed -3.181 points, a $12,724 credit on the South Carolina sample loan (source: RateVerdict South Carolina rate table).
What did the top of the South Carolina table cost on November 12, 2026?
6.375% (6.605% APR) carried 2.116 points, which is $8,464 on the $400,000 sample loan (source: RateVerdict South Carolina rate table, November 12, 2026, 12:31 PM ET).
Does the South Carolina deed recording fee apply to a refinance?
South Carolina's deed recording fee applies to deeds that transfer realty (source: S.C. Code sections 12-24-10 and 12-24-90). Ask your closing attorney what applies to your refinance.
See today's South Carolina rates
Today's South Carolina table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
Sources
- RateVerdict, South Carolina mortgage rates today (weekday midday snapshot)as of November 12, 2026, 12:31 PM ET
- RateVerdict, South Carolina mortgage rate historyas of November 12, 2026 snapshot
- RateVerdict, mortgage rates by stateas of November 12, 2026
- RateVerdict, rate tool for your own loanas of November 12, 2026
- S.C. Code sections 12-24-10 and 12-24-90as of checked October 2026
This article is educational and is not an offer to lend, a rate lock, or a commitment to lend. Rates and terms depend on a complete application and are subject to credit approval, underwriting, and program guidelines. Any figure shown comes from our pricing engines or a cited source with its as-of date. See how we get our numbers on the methodology page.
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