South Carolina mortgage rates November 13, 2026: week in review
On November 13, 2026 at 12:30 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% (6.782% APR, $500 in lender credit); on Monday, November 9 it was 6.500% (6.572% APR, $224 in lender credit) (source: RateVerdict South Carolina rate table and history).
The short answer for November 13, 2026
RateVerdict priced one South Carolina loan at 12:30 PM ET on Friday, November 13, 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 13, 2026, 12:30 PM ET).
The rate closest to $0 at closing was 6.750%, with a 6.782% APR and $500 in lender credit. The top of the table was 6.125%, with a 6.505% APR and $14,708 in points (same source and time).
Five weekday snapshots
RateVerdict prices the same South Carolina sample loan each weekday around midday ET and keeps each snapshot on the history page. Here is the week of November 9 to 13, 2026.
The table shows two rows from each day: the rate closest to $0 at closing, and the top of the table, the first row, which comes with the most points.
| Day priced | Rate closest to $0 | APR | Cost or credit at closing | Top of the table |
|---|---|---|---|---|
| Mon, Nov 9 | 6.500% | 6.572% | $224 credit | 6.000% (6.270% APR, $9,076 cost) |
| Tue, Nov 10 | 6.625% | 6.701% | $196 cost | 6.125% (6.415% APR, $11,072 cost) |
| Wed, Nov 11 | 6.625% | 6.699% | $196 cost | 6.000% (6.453% APR, $17,456 cost) |
| Thu, Nov 12 | 6.750% | 6.791% | $500 cost | 6.375% (6.605% APR, $8,464 cost) |
| Fri, Nov 13 | 6.750% | 6.782% | $500 credit | 6.125% (6.505% APR, $14,708 cost) |
What the week shows
- The rate closest to $0 was 6.500% on Monday, 6.625% on Tuesday and Wednesday, and 6.750% on Thursday and Friday (APRs for each day are in the table above).
- At 6.750%, Thursday's $500 cost (6.791% APR) became Friday's $500 credit (6.782% APR).
- The top of the table ran from 6.000% (6.270% APR) to 6.375% (6.605% APR) during the week, and its cost ran from $8,464 to $17,456.
- These are dated prices for one named loan. They describe the week that happened, not the week ahead.
Friday's full South Carolina table
Every rate RateVerdict kept for the sample loan, each with its APR and its cost or credit at closing.
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 rates| Rate | APR | Points | Cost or credit at closing |
|---|---|---|---|
| 6.125% | 6.505% | 3.677 | $14,708 cost |
| 6.250% | 6.569% | 3.035 | $12,140 cost |
| 6.375% | 6.629% | 2.385 | $9,540 cost |
| 6.500% | 6.688% | 1.679 | $6,716 cost |
| 6.625% | 6.751% | 1.043 | $4,172 cost |
| 6.750% | 6.782% | -0.125 | $500 credit |
| 7.000% | 7.042% | -0.458 | $1,832 credit |
| 7.125% | 7.168% | -0.857 | $3,428 credit |
| 7.250% | 7.274% | -1.276 | $5,104 credit |
| 7.375% | 7.399% | -1.678 | $6,712 credit |
| 7.500% | 7.524% | -2.068 | $8,272 credit |
| 7.625% | 7.649% | -2.454 | $9,816 credit |
A South Carolina fee on deeds
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 13, 2026?
It was 6.750% with a 6.782% APR and $500 in lender credit for the $400,000 South Carolina sample refinance with 780+ credit (source: RateVerdict South Carolina rate table, November 13, 2026, 12:30 PM ET).
What was the South Carolina rate closest to $0 each day from November 9 to 13, 2026?
Nov 9 6.500% (6.572% APR); Nov 10 6.625% (6.701% APR); Nov 11 6.625% (6.699% APR); Nov 12 6.750% (6.791% APR); Nov 13 6.750% (6.782% APR) (source: RateVerdict South Carolina rate history).
What is the top of the table?
It is the first row of the table for the sample loan that day. It usually carries the most points, so its APR sits furthest above its rate.
Why do the history pages show only two rows per day?
The history page keeps the rate closest to $0 and the top of the table for each weekday snapshot. The full table for the current day is on the South Carolina rate page.
Does the South Carolina deed recording fee apply to a refinance?
The 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 13, 2026, 12:30 PM ET
- RateVerdict, South Carolina mortgage rate historyas of November 9 to November 13, 2026 weekday snapshots
- RateVerdict, mortgage rates by stateas of November 13, 2026
- RateVerdict, rate tool for your own loanas of November 13, 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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