Bonham Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Bonham averaged
7.11%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.82% and
one month ago for the week of 2025-02-27, the
average rate was 6.83%.
Bonham's average rate one year ago was 6.86%.
For refis of the same type during the week of 2025-04-03, the average rate
was 7.14%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Bonham 30 Year Fixed Rate | 2025-04-03 | 7.11% |
| Bonham 30 Year Fixed Rate Refi | 2025-04-03 | 7.14% |
| Bonham 15 Year Fixed Rate | 2025-04-03 | 5.62% |
| Bonham 15 Year Fixed Rate Refi | 2025-04-03 | 5.72% |
| Bonham 30 Year FHA | 2025-04-03 | 6.32% |
| Bonham 30 Year FHA Refi | 2025-04-03 | 6.26% |
| Bonham 30 Year USDA | 2025-04-03 | 6.12% |
| Bonham 30 Year USDA Refi | 2025-04-03 | 6.22% |
| Bonham 30 Year VA | 2025-04-03 | 6.59% |
| Bonham 30 Year VA Refi | 2025-04-03 | 5.86% |
Bonham Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Bonham, TX market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Bonham Average Closing Costs & Other Stats
Bonham, TX's 80 lenders originated 729
loans during 2024. The total origination value was $183,645,000, with an average loan value of
$251,914.
Bonham's average closing costs are $6,773.
The top Bonham lender as defined by loan originations is QUICKEN LOANS, LLC, with
32 loans originated. Their average total fees are
$7,733, which is $478
lower than the next largest lender,
GUILD MORTGAGE COMPANY.
The lowest fee Bonham lenders (with over 10 loans originated) are
First United Bank and Trust Company ($6,288), QUICKEN LOANS, LLC ($7,733), GUILD MORTGAGE COMPANY ($8,211), UNITED WHOLESALE MORTGAGE, LLC ($8,738) and .
The lowest rate Bonham lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (6.83%), GUILD MORTGAGE COMPANY (6.85%), QUICKEN LOANS, LLC (6.93%), First United Bank and Trust Company (6.96%) and .
Bonham, TX Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | $16,050,000 | $16,975,000 | 5.8% | 9.2% |
| First United Bank and Trust Company | $12,685,000 | $10,920,000 | -13.9% | 5.9% |
| QUICKEN LOANS, LLC | $6,375,000 | $10,795,000 | 69.3% | 5.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $5,680,000 | $9,150,000 | 61.1% | 5.0% |
| Mortgage Research Center, LLC | $1,585,000 | $7,200,000 | 354.3% | 3.9% |
| Legend Bank, N.A. | $2,760,000 | $4,625,000 | 67.6% | 2.5% |
| 21ST MORTGAGE CORPORATION | $3,740,000 | $4,385,000 | 17.2% | 2.4% |
| BancorpSouth | $2,330,000 | $4,385,000 | 88.2% | 2.4% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $1,355,000 | $4,340,000 | 220.3% | 2.4% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $760,000 | $4,065,000 | 434.9% | 2.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $5,785,000 | $3,165,000 | -45.3% | 1.7% |
| GUARANTEED RATE, INC. | $2,010,000 | $3,165,000 | 57.5% | 1.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $2,155,000 | $3,150,000 | 46.2% | 1.7% |
| RANDOLPH-BROOKS | $1,470,000 | $2,630,000 | 78.9% | 1.4% |
| EVERETT FINANCIAL, INC. | $2,055,000 | $2,410,000 | 17.3% | 1.3% |
| CARDINAL FINANCIAL | $2,775,000 | $2,390,000 | -13.9% | 1.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,350,000 | $2,310,000 | 71.1% | 1.3% |
| LOANDEPOT.COM, LLC | $1,580,000 | $2,095,000 | 32.6% | 1.1% |
| FREEDOM MORTGAGE CORPORATION | $530,000 | $2,045,000 | 285.8% | 1.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $950,000 | $1,945,000 | 104.7% | 1.1% |
| JPMorgan Chase Bank | $1,530,000 | $1,870,000 | 22.2% | 1.0% |
| NEWREZ LLC | $1,100,000 | $1,690,000 | 53.6% | 0.9% |
| THE MORTGAGE LINK, INC. | $1,135,000 | $1,690,000 | 48.9% | 0.9% |
| MORTGAGE FINANCIAL SERVICES, LLC | $1,665,000 | n/a | 0.9% | |
| Network Funding, L.P. | $125,000 | $1,615,000 | 1,192.0% | 0.9% |
| Flagstar Bank, FSB | $245,000 | $1,610,000 | 557.1% | 0.9% |
| Prosperity Home Mortgage, LLC | $950,000 | $1,510,000 | 58.9% | 0.8% |
| Texas Mortgage Lending, LLC | $1,480,000 | n/a | 0.8% | |
| Carrington Mortgage Services, LLC | $115,000 | $1,450,000 | 1,160.9% | 0.8% |
| CMG MORTGAGE, INC. | $360,000 | $1,420,000 | 294.4% | 0.8% |
| GARDNER FINANCIAL SERVICES, LTD. | $1,405,000 | n/a | 0.8% | |
| Community National Bank | $1,390,000 | n/a | 0.8% | |
| BROKER SOLUTIONS, INC. | $560,000 | $1,345,000 | 140.2% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $1,775,000 | $1,340,000 | -24.5% | 0.7% |
| The Loan Store, Inc. | $380,000 | $1,300,000 | 242.1% | 0.7% |
| RF Renovo Management Company, LLC | $980,000 | $1,280,000 | 30.6% | 0.7% |
| Farm Credit Mid-America, ACA | $2,105,000 | $1,230,000 | -41.6% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $615,000 | $1,220,000 | 98.4% | 0.7% |
| SFMC, LP | $2,365,000 | $1,185,000 | -49.9% | 0.6% |
| GUARANTEED RATE AFFINITY, LLC | $1,155,000 | n/a | 0.6% | |
| LOANPEOPLE, LLC | $185,000 | $1,090,000 | 489.2% | 0.6% |
| SUMMIT FUNDING, INC. | $610,000 | $1,090,000 | 78.7% | 0.6% |
| Credit Union of Texas | $85,000 | $1,010,000 | 1,088.2% | 0.5% |
| VILLAGE CAPITAL MORTGAGE | $960,000 | n/a | 0.5% | |
| Independent Bank | $880,000 | $945,000 | 7.4% | 0.5% |
| NFM, INC. | $935,000 | n/a | 0.5% | |
| PLANET HOME LENDING, LLC | $905,000 | n/a | 0.5% | |
| MID AMERICA MORTGAGE, INC. | $1,155,000 | $900,000 | -22.1% | 0.5% |
| Regions Bank | $725,000 | $900,000 | 24.1% | 0.5% |
| American National Bank & Trust | $455,000 | $885,000 | 94.5% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $250,000 | $875,000 | 250.0% | 0.5% |
| NBKC BANK | $870,000 | n/a | 0.5% | |
| EASTMAN | $860,000 | n/a | 0.5% | |
| Century Mortgage Company DBA Century Lending Company | $845,000 | n/a | 0.5% | |
| TRIAD FINANCIAL SERVICES, INC. | $1,145,000 | $780,000 | -31.9% | 0.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $975,000 | $775,000 | -20.5% | 0.4% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $770,000 | n/a | 0.4% | |
| AMERICAN FINANCIAL NETWORK, INC. | $750,000 | n/a | 0.4% | |
| Investmark Mortgage, LLC | $745,000 | n/a | 0.4% | |
| Sierra Pacific Mortgage Company, Inc. | $670,000 | n/a | 0.4% | |
| A&D Mortgage LLC | $295,000 | $660,000 | 123.7% | 0.4% |
| SOUTHWEST STAGE FUNDING, LLC | $920,000 | $645,000 | -29.9% | 0.4% |
| AMERITRUST MORTGAGE CORPORATION | $615,000 | n/a | 0.3% | |
| Mr. Cooper ( Nationstar Mortgage ) | $615,000 | n/a | 0.3% | |
| Equity Prime Mortgage LLC | $470,000 | $610,000 | 29.8% | 0.3% |
| Lamar National Bank | $595,000 | n/a | 0.3% | |
| PHH Mortgage Corporation | $570,000 | n/a | 0.3% | |
| Barrington Bank & Trust Company, N.A. | $265,000 | $565,000 | 113.2% | 0.3% |
| Community National Bank & Trust of Texas | $565,000 | n/a | 0.3% | |
| Magnolia Bank | $565,000 | n/a | 0.3% | |
| SWBC MORTGAGE CORPORATION | $560,000 | n/a | 0.3% | |
| Frost Bank | $170,000 | $555,000 | 226.5% | 0.3% |
| Gulf Coast Bank and Trust Company | $550,000 | n/a | 0.3% | |
| Mineola Community Bank, S.S.B. | $550,000 | n/a | 0.3% | |
| U.S. Bank | $255,000 | $550,000 | 115.7% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $430,000 | $540,000 | 25.6% | 0.3% |
| AgFirst Farm Credit Bank | $535,000 | n/a | 0.3% | |
| Sunflower Bank | $525,000 | n/a | 0.3% | |
| BOKF | $135,000 | $520,000 | 285.2% | 0.3% |
| The First National Bank of Tom Bean | $155,000 | $520,000 | 235.5% | 0.3% |
| Wells Fargo Bank | $175,000 | $520,000 | 197.1% | 0.3% |
| Commerce Home Mortgage, Inc. | $515,000 | n/a | 0.3% | |
| The American National Bank of Texas | $1,155,000 | $510,000 | -55.8% | 0.3% |
| S1L, Inc. | $1,160,000 | $505,000 | -56.5% | 0.3% |
| CONTOUR MORTGAGE CORPORATION | $495,000 | n/a | 0.3% | |
| WILLOW BEND MORTGAGE COMPANY, LLC | $215,000 | $495,000 | 130.2% | 0.3% |
| UNION HOME MORTGAGE CORP. | $360,000 | $490,000 | 36.1% | 0.3% |
| FINANCE OF AMERICA REVERSE LLC | $115,000 | $480,000 | 317.4% | 0.3% |
| Centennial Bank | $345,000 | $475,000 | 37.7% | 0.3% |
| Performance Financial, Inc. | $425,000 | n/a | 0.2% | |
| Farmers Bank & Trust Company | $415,000 | n/a | 0.2% | |
| Guaranty Bank & Trust, N.A. | $405,000 | n/a | 0.2% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $400,000 | n/a | 0.2% | |
| CSL Financial, LLC | $395,000 | n/a | 0.2% | |
| First State Bank | $185,000 | $395,000 | 113.5% | 0.2% |
| UNITED BUILT HOMES, L.L.C. | $1,100,000 | $395,000 | -64.1% | 0.2% |
| UNITED MORTGAGE CORP | $395,000 | n/a | 0.2% | |
| North Dallas Bank & Trust Co. | $385,000 | n/a | 0.2% | |
| Mid-Continent Funding, Inc. | $375,000 | n/a | 0.2% | |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | $520,000 | $370,000 | -28.8% | 0.2% |
| Gateway First Bank | $365,000 | n/a | 0.2% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $215,000 | $360,000 | 67.4% | 0.2% |
| LIMA ONE CAPITAL, LLC | $355,000 | n/a | 0.2% | |
| Deere Employees Credit Union | $345,000 | n/a | 0.2% | |
| TOWNE MORTGAGE COMPANY | $345,000 | n/a | 0.2% | |
| TIB The Independent Bankersbank | $265,000 | $335,000 | 26.4% | 0.2% |
| LOANPAL, LLC | $965,000 | $330,000 | -65.8% | 0.2% |
| American Bank of Commerce | $315,000 | n/a | 0.2% | |
| TEXANS | $195,000 | $285,000 | 46.2% | 0.2% |
| Ennis State Bank | $395,000 | $280,000 | -29.1% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $280,000 | n/a | 0.2% | |
| Discover Bank | $85,000 | $275,000 | 223.5% | 0.1% |
| CERTIFIED FUNDING, L.P. | $265,000 | n/a | 0.1% | |
| COUNTRYPLACE MORTGAGE, LTD. | $265,000 | n/a | 0.1% | |
| Watermark Capital, Inc. | $265,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $255,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $255,000 | n/a | 0.1% | |
| Town Square Mortgage & Investments, Inc. | $2,550,000 | $255,000 | -90.0% | 0.1% |
| Veritex Community Bank | $155,000 | $255,000 | 64.5% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $135,000 | $235,000 | 74.1% | 0.1% |
| GREATER TEXAS FEDERAL CREDIT UNION | $155,000 | $235,000 | 51.6% | 0.1% |
| SOUTHWEST FUNDING, LP | $235,000 | n/a | 0.1% | |
| Cornerstone First Mortgage, Inc | $225,000 | n/a | 0.1% | |
| Florida Capital Bank | $225,000 | n/a | 0.1% | |
| NMSI, INC. | $225,000 | n/a | 0.1% | |
| TEXAR | $225,000 | n/a | 0.1% | |
| First Option Mortgage, LLC | $215,000 | n/a | 0.1% | |
| INTERCAP LENDING INC. | $215,000 | n/a | 0.1% | |
| Bank of America | $215,000 | $205,000 | -4.7% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $505,000 | $185,000 | -63.4% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $185,000 | n/a | 0.1% | |
| MEMBER FIRST MORTGAGE, LLC | $195,000 | $185,000 | -5.1% | 0.1% |
| NexBank | $410,000 | $185,000 | -54.9% | 0.1% |
| Preston Home Loans Inc | $405,000 | $185,000 | -54.3% | 0.1% |
| SeaTrust Mortgage Company | $185,000 | n/a | 0.1% | |
| Zions Bank | $135,000 | $165,000 | 22.2% | 0.1% |
| Third Coast Bank SSB | $600,000 | $155,000 | -74.2% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $140,000 | $145,000 | 3.6% | 0.1% |
| Commercial Bank of Texas | $785,000 | $135,000 | -82.8% | 0.1% |
| The Central Trust Bank | $295,000 | $125,000 | -57.6% | 0.1% |
| Alliance Bank | $580,000 | $105,000 | -81.9% | 0.1% |
| DEVELOPER'S MORTGAGE COMPANY | $105,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,020,000 | $105,000 | -89.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $105,000 | n/a | 0.1% | |
| The City National Bank of Sulphur Springs | $85,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $75,000 | n/a | 0.0% | |
| Comerica Bank | $215,000 | $75,000 | -65.1% | 0.0% |
| EECU | $105,000 | $65,000 | -38.1% | 0.0% |
| Figure Lending LLC | $65,000 | n/a | 0.0% | |
| DATCU | $55,000 | n/a | 0.0% | |
| Texas Bank | $35,000 | $45,000 | 28.6% | 0.0% |
Bonham's top lender by overall market share is GUILD MORTGAGE COMPANY, with 9.2% market share. In second place, with 5.9%, is First United Bank and Trust Company, having originated $10,920,000 in loans. In third place, with 5.9%, is QUICKEN LOANS, LLC, having originated $10,795,000 in loans. In fourth place, with 5.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $9,150,000 in loans. In fifth place, with 3.9%, is Mortgage Research Center, LLC, having originated $7,200,000 in loans.
Bonham, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 502 | $135,020,000 | $268,964 |
| Cash Out Refi | 100 | $20,760,000 | $207,600 |
| Refi | 75 | $21,015,000 | $280,200 |
| Other | 26 | $3,670,000 | $141,154 |
| Home Improvement | 25 | $3,065,000 | $122,600 |
| NA | 1 | $115,000 | $115,000 |
Bonham's most frequently cited loan purpose was Home Purchase, with 502 originations. The 2nd most popular reason was Cash Out Refi, with 100 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 298 | $87,180,000 | $292,550 |
| 7-8% | 157 | $41,125,000 | $261,943 |
| Over 8% | 141 | $22,275,000 | $157,979 |
| 5-6% | 73 | $21,835,000 | $299,110 |
| <2.5% | 10 | $90,000 | $9,000 |
| 4-5% | 5 | $1,485,000 | $297,000 |
| 3-4% | 1 | $65,000 | $65,000 |
During 2024, Bonham's most frequently originated rate bucket was 6-7%, with 298 originations.
Loan Sizing (Bonham, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 319 | $91,035,000 | $285,376 |
| $100k-200k | 228 | $34,490,000 | $151,272 |
| $100,000 or less | 84 | $5,040,000 | $60,000 |
| $400k-600k | 80 | $38,280,000 | $478,500 |
| $600k-1000k | 14 | $9,820,000 | $701,429 |
| $Over $1MM | 4 | $4,980,000 | $1,245,000 |
Bonham's loan sizing saw the bucket of loans from $200k-400k with 319 originations, totaling $91,035,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 312 | $90,450,000 | $289,904 |
| 60-80% | 182 | $49,920,000 | $274,286 |
| 40-60% | 66 | $15,040,000 | $227,879 |
| 20-40% | 56 | $8,300,000 | $148,214 |
| Under 20% | 42 | $2,180,000 | $51,905 |
| Over 100% | 15 | $4,965,000 | $331,000 |
Bonham's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 312 originations, totaling $90,450,000 in origination value.