Bonham Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Bonham averaged 6.27% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 5.98% and one month ago for the week of 2022-05-26, the average rate was 5.27%.

Bonham's average rate one year ago was 3.57%.

For refis of the same type during the week of 2022-06-30, the average rate was 6.09%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Bonham 30 Year Fixed Rate 2022-06-30 6.27%
Bonham 30 Year Fixed Rate Refi 2022-06-30 6.09%
Bonham 15 Year Fixed Rate 2022-06-30 6.49%
Bonham 15 Year Fixed Rate Refi 2022-06-30 5.37%
Bonham 30 Year FHA 2022-06-30 5.82%
Bonham 30 Year FHA Refi 2022-06-30 5.92%
Bonham 30 Year USDA 2022-06-30 5.91%
Bonham 30 Year VA 2022-06-30 6%
Bonham 30 Year VA Refi 2022-06-30 5.32%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Bonham, TX.

Bonham Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
GUILD MORTGAGE COMPANY 63 3.34% $6,346
First United Bank and Trust Company 41 3.28% $4,232
QUICKEN LOANS, LLC 32 3.21% $4,706
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 14 3.08% $6,074
UNITED WHOLESALE MORTGAGE, LLC 9 3.11% $6,380
F & M Bank 9 2.90% $4,072
LOANDEPOT.COM, LLC 9 3.04% $6,426
BancorpSouth Bank 8 3.17% $5,424
Wells Fargo Bank 7 3.25% $4,319
CALIBER HOME LOANS, INC. 7 3.28% $5,098
ASPIRE FINANCIAL, INC. 6 2.94% $6,327
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 6 3.23% $6,456
THRIVE MORTGAGE, LLC 6 3.48% $5,862
INTEGRITY MORTGAGE CORPORATION OF TEXAS 5 2.97% $5,015
SFMC, LP 5 3.00% $9,298
Prosperity Bank 5 3.00% $3,967
Prosperity Home Mortgage, LLC 5 3.28% $4,975
JPMorgan Chase Bank 4 3.25% $4,607
CROSSCOUNTRY MORTGAGE, LLC 4 3.06% $5,957
EVERETT FINANCIAL, INC. 4 3.78% $3,188
MORTGAGE FINANCIAL SERVICES, LLC 4 3.40% $5,311
MOVEMENT MORTGAGE, LLC 4 3.19% $3,540
First State Bank 4 3.72% $5,220
Gateway First Bank 4 3.28% $3,418
AMERICAN FINANCING CORPORATION 4 3.16% $4,911
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 4 3.31% $5,708
HOME POINT FINANCIAL CORPORATION 4 3.16% $4,439
Town Square Mortgage & Investments, Inc. 4 3.25% $4,961
Independent Bank 4 3.38% $6,328
V.I.P. MORTGAGE, INC. 4 3.65% $5,392
InterContinental Capital Group, Inc 4 3.16% $5,433
Simmons Bank 3 2.79% $3,812
BETTER MORTGAGE CORPORATION 3 2.92% $6,624
CERTAINTY HOME LOANS, LLC 3 3.25% $4,477
Farm Credit Mid-America, ACA 3 3.50% $10,353
T2 FINANCIAL LLC 3 2.96% $7,690
ARK-LA-TEX FINANCIAL SERVICES, LLC. 3 3.33% $6,036
Mr. Cooper ( Nationstar Mortgage ) 3 3.79% $4,659
NEWREZ LLC 3 3.04% $4,383
SUMMIT FUNDING, INC. 3 3.50% $5,280
WILLOW BEND MORTGAGE COMPANY, LLC 3 3.08% $8,934
BOKF 3 3.38% $5,000
FINANCE OF AMERICA MORTGAGE LLC 2 3.06% $7,575
DATCU 2 3.00% $3,584
TIB The Independent Bankersbank 2 3.56% $3,722
HOMESIDE FINANCIAL, LLC 2 3.19% $5,776
Hometown Lenders, Inc. 2 3.56% $6,027
OPEN MORTGAGE, LLC 2 2.62% $4,854
BROKER SOLUTIONS, INC. 2 3.38% $5,319
NTFN, INC. 2 3.31% $3,918
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 2.93% $5,132
First Guaranty Mortgage Corporation 2 3.19% $4,587
Nations Lending Corporation 2 3.31% $8,795
MUTUAL OF OMAHA MORTGAGE, INC. 2 3.75% $5,926
ROYAL UNITED MORTGAGE LLC 2 3.63% $4,890
U.S. Bank 2 3.00% $9,333
GREAT WESTERN FINANCIAL SERVICES, INC. 2 4.06% $5,591
CHURCHILL MORTGAGE CORPORATION 2 3.31% $6,044
MORTGAGE SOLUTIONS OF COLORADO, LLC 2 2.81% $6,481
Sunflower Bank 2 3.37% $4,972
SWBC MORTGAGE CORPORATION 2 3.38% $1,800
Citizens Bank 2 2.94% $4,561
AMERISAVE MORTGAGE CORPORATION 2 3.44% $4,598
Bank of America 2 2.88% $4,758
The American National Bank of Texas 1 2.63% $6,119
AgFirst Farm Credit Bank 1 3.63% $5,039
Ally Bank 1 2.88% $4,589
AMCAP MORTGAGE, LTD. 1 3.13% $5,682
AMERICAN FINANCIAL NETWORK, INC. 1 2.75% $7,921
AMERICAN FINANCIAL RESOURCES, INC. 1 3.99% $7,229
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 2.75% $3,281
ATHAS CAPITAL GROUP, INC. 1 5.25% $5,973
Axos Bank 1 3.99% $3,050
Carrington Mortgage Services, LLC 1 3.63% $4,221
CELEBRITY HOME LOANS, LLC 1 3.25% $4,385
Chicago Mortgage Solutions LLC 1 2.87% $2,335
City Bank 1 3.00% $5,419
CMG MORTGAGE, INC. 1 2.88% $4,327
Commercial Bank of Texas 1 4.00% $2,108
COMPEER FINANCIAL, FLCA 1 3.13% $5,869
Discover Bank 1 3.99% $0
DRAPER AND KRAMER MORTGAGE CORP. 1 3.25% $3,527
EUSTIS AND AMERICAN MORTGAGE COMPANY 1 4.00% $5,977
First Bank 1 3.38% $10,058
First Horizon Bank 1 2.49% $5,199
Flagstar Bank, FSB 1 2.69% $2,978
GENEVA FINANCIAL, LLC 1 3.50% $7,990
Goldwater Bank, N.A. 1 3.00% $7,575
Guaranty Bank & Trust, N.A. 1 3.50% $4,699
Happy State Bank 1 3.50% $7,610
HIGHLAND HOMELOANS, LLC 1 2.99% $7,054
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.13% $3,644
Inwood National Bank 1 2.50% $3,554
Jefferson Bank 1 3.75% $4,163
KELLER MORTGAGE, LLC 1 3.00% $3,575
LEADERONE FINANCIAL CORPORATION 1 3.00% $4,449
LENDSURE MORTGAGE CORP. 1 4.75% $9,801
LHM FINANCIAL CORPORATION 1 3.38% $4,714
LOANPAL, LLC 1 3.50% $3,751
LONE STAR 1 5.00% $784
MID AMERICA MORTGAGE, INC. 1 3.50% $3,112
Midwest Mortgage Associates Corporation 1 3.25% $7,065
Mortgage Research Center, LLC 1 2.50% $14,380
NATIONS RELIABLE LENDING, LLC 1 2.75% $4,991
NATIONWIDE MORTGAGE BANKERS, INC. 1 2.88% $3,706
North American Savings Bank, F.S.B. 1 3.13% $1,470
Paramount Residential Mortgage Group, Inc. 1 3.25% $5,240
PENTAGON FEDERAL CREDIT UNION 1 2.88% $2,543
PLANET HOME LENDING, LLC 1 2.75% $4,628
RANDOLPH-BROOKS 1 3.00% $4,760
RED DIAMOND HOME LOANS, LLC 1 3.50% $4,629
Republic State Mortgage Co. 1 3.13% $6,353
S1L, Inc. 1 3.63% $6,019
SECURITYNATIONAL MORTGAGE COMPANY 1 2.88% $7,010
Southwest Airlines Federal Credit Union 1 3.38% $4,389
STEARNS LENDING, LLC 1 2.88% $4,051
Texas Bank Financial 1 4.50% $4,583
ADVANCIAL 1 2.88% $5,423
The City National Bank of Sulphur Springs 1 3.13% $2,841
The Home Loan Expert LLC 1 3.50% $5,329
TIAA, FSB 1 3.75% $3,479
TOWNE MORTGAGE COMPANY 1 3.25% $7,321
UMB Bank 1 3.25% $4,835
UNION HOME MORTGAGE CORP. 1 3.25% $4,094
UNITED MORTGAGE CORP. 1 3.00% $8,388

Bonham, TX's 125 lenders originated 1,122 loans during 2021. The total origination value was $241,500,000, with an average loan value of $215,241.

The top Bonham lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 63 loans originated. Their average total fees are $6,346, which is $2,114 higher than the next largest lender, First United Bank and Trust Company.

The lowest fee Bonham lenders (with over 10 loans originated) are First United Bank and Trust Company ($4,232), QUICKEN LOANS, LLC ($4,706), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($6,074), GUILD MORTGAGE COMPANY ($6,346) and .

The lowest rate Bonham lenders (with over 10 loans originated) are FAIRWAY INDEPENDENT MORTGAGE CORPORATION (3.08%), QUICKEN LOANS, LLC (3.21%), First United Bank and Trust Company (3.28%), GUILD MORTGAGE COMPANY (3.34%) and .

Bonham, TX Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
GUILD MORTGAGE COMPANY $30,365,000 $30,260,000 -0.3% 12.5%
First United Bank and Trust Company $17,745,000 $20,720,000 16.8% 8.6%
QUICKEN LOANS, LLC $9,900,000 $14,435,000 45.8% 6.0%
Legend Bank, N.A. $6,120,000 $8,520,000 39.2% 3.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,710,000 $7,865,000 190.2% 3.3%
UNITED WHOLESALE MORTGAGE, LLC $1,515,000 $5,650,000 272.9% 2.3%
Mortgage Research Center, LLC $2,690,000 $5,315,000 97.6% 2.2%
LOANDEPOT.COM, LLC $2,895,000 $4,245,000 46.6% 1.8%
Wells Fargo Bank $1,315,000 $3,820,000 190.5% 1.6%
Independent Bank $2,900,000 $3,500,000 20.7% 1.4%
SFMC, LP $3,515,000 $3,435,000 -2.3% 1.4%
CALIBER HOME LOANS, INC. $2,300,000 $3,395,000 47.6% 1.4%
BancorpSouth Bank $2,690,000 $3,280,000 21.9% 1.4%
FREEDOM MORTGAGE CORPORATION $5,120,000 $3,275,000 -36.0% 1.4%
ASPIRE FINANCIAL, INC. $2,695,000 $3,045,000 13.0% 1.3%
21ST MORTGAGE CORPORATION $2,855,000 $3,030,000 6.1% 1.3%
RF Renovo Management Company, LLC $85,000 $2,605,000 2,964.7% 1.1%
Mr. Cooper ( Nationstar Mortgage ) $1,840,000 $2,595,000 41.0% 1.1%
F & M Bank $1,305,000 $2,470,000 89.3% 1.0%
MID AMERICA MORTGAGE, INC. $745,000 $2,340,000 214.1% 1.0%
CROSSCOUNTRY MORTGAGE, LLC $3,170,000 $2,255,000 -28.9% 0.9%
INTEGRITY MORTGAGE CORPORATION OF TEXAS $1,105,000 $2,200,000 99.1% 0.9%
The First National Bank of Tom Bean $55,000 $2,145,000 3,800.0% 0.9%
Prosperity Bank $1,030,000 $2,135,000 107.3% 0.9%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $585,000 $2,025,000 246.2% 0.8%
Gateway First Bank $1,720,000 $1,960,000 14.0% 0.8%
MOVEMENT MORTGAGE, LLC $830,000 $1,860,000 124.1% 0.8%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $4,495,000 $1,855,000 -58.7% 0.8%
Prosperity Home Mortgage, LLC $2,100,000 $1,845,000 -12.1% 0.8%
MORTGAGE FINANCIAL SERVICES, LLC $2,080,000 $1,760,000 -15.4% 0.7%
BETTER MORTGAGE CORPORATION $245,000 $1,695,000 591.8% 0.7%
PENNYMAC LOAN SERVICES, LLC $530,000 $1,670,000 215.1% 0.7%
U.S. Bank $155,000 $1,600,000 932.3% 0.7%
EVERETT FINANCIAL, INC. $6,815,000 $1,595,000 -76.6% 0.7%
Farm Credit Mid-America, ACA $1,595,000 n/a 0.7%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $1,610,000 $1,580,000 -1.9% 0.7%
THRIVE MORTGAGE, LLC $1,535,000 $1,545,000 0.7% 0.6%
TRIAD FINANCIAL SERVICES, INC. $290,000 $1,425,000 391.4% 0.6%
CERTAINTY HOME LOANS, LLC $1,640,000 $1,385,000 -15.5% 0.6%
First State Bank $1,385,000 n/a 0.6%
InterContinental Capital Group, Inc $1,385,000 n/a 0.6%
City Bank $760,000 $1,345,000 77.0% 0.6%
HOME POINT FINANCIAL CORPORATION $325,000 $1,335,000 310.8% 0.6%
JPMorgan Chase Bank $1,255,000 $1,315,000 4.8% 0.5%
WILLOW BEND MORTGAGE COMPANY, LLC $355,000 $1,300,000 266.2% 0.5%
First Guaranty Mortgage Corporation $945,000 $1,270,000 34.4% 0.5%
Flagstar Bank, FSB $125,000 $1,270,000 916.0% 0.5%
NEWREZ LLC $440,000 $1,240,000 181.8% 0.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,840,000 $1,185,000 -58.3% 0.5%
NTFN, INC. $470,000 $1,175,000 150.0% 0.5%
AMERICAN FINANCING CORPORATION $885,000 $1,155,000 30.5% 0.5%
LAKEVIEW LOAN SERVICING, LLC $1,590,000 $1,130,000 -28.9% 0.5%
Town Square Mortgage & Investments, Inc. $725,000 $1,090,000 50.3% 0.5%
SWBC MORTGAGE CORPORATION $1,355,000 $1,060,000 -21.8% 0.4%
CORNERSTONE HOME LENDING, INC. $1,055,000 n/a 0.4%
SUMMIT FUNDING, INC. $495,000 $1,040,000 110.1% 0.4%
UNITED BUILT HOMES, L.L.C. $585,000 $1,040,000 77.8% 0.4%
BOKF $300,000 $980,000 226.7% 0.4%
CHURCHILL MORTGAGE CORPORATION $720,000 $975,000 35.4% 0.4%
First Bank $945,000 $950,000 0.5% 0.4%
OPEN MORTGAGE, LLC $935,000 n/a 0.4%
RANDOLPH-BROOKS $35,000 $905,000 2,485.7% 0.4%
COUNTRYPLACE MORTGAGE, LTD. $680,000 $865,000 27.2% 0.4%
KELLER MORTGAGE, LLC $845,000 n/a 0.3%
T2 FINANCIAL LLC $825,000 n/a 0.3%
Goldwater Bank, N.A. $600,000 $810,000 35.0% 0.3%
AMERICAN FINANCIAL RESOURCES, INC. $255,000 $795,000 211.8% 0.3%
Simmons Bank $520,000 $760,000 46.2% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $135,000 $745,000 451.9% 0.3%
Inwood National Bank $225,000 $735,000 226.7% 0.3%
FINANCE OF AMERICA MORTGAGE LLC $710,000 n/a 0.3%
Midwest Mortgage Associates Corporation $695,000 n/a 0.3%
SECURITYNATIONAL MORTGAGE COMPANY $265,000 $695,000 162.3% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $670,000 $685,000 2.2% 0.3%
First Horizon Bank $670,000 n/a 0.3%
Nations Lending Corporation $665,000 n/a 0.3%
AMCAP MORTGAGE, LTD. $415,000 $660,000 59.0% 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $655,000 n/a 0.3%
SOUTHWEST STAGE FUNDING, LLC $1,930,000 $640,000 -66.8% 0.3%
AgFirst Farm Credit Bank $235,000 $630,000 168.1% 0.3%
AMERISAVE MORTGAGE CORPORATION $1,355,000 $625,000 -53.9% 0.3%
MORTGAGE SOLUTIONS OF COLORADO, LLC $310,000 $615,000 98.4% 0.3%
NAVY FEDERAL CREDIT UNION $285,000 $610,000 114.0% 0.3%
ACADEMY MORTGAGE CORPORATION $850,000 $605,000 -28.8% 0.3%
Bank of America $1,325,000 $590,000 -55.5% 0.2%
V.I.P. MORTGAGE, INC. $590,000 n/a 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $145,000 $565,000 289.7% 0.2%
LHM FINANCIAL CORPORATION $555,000 n/a 0.2%
Guaranty Bank & Trust, N.A. $460,000 $515,000 12.0% 0.2%
LONE STAR $515,000 n/a 0.2%
Commercial Bank of Texas $510,000 n/a 0.2%
Citizens Bank $2,100,000 $495,000 -76.4% 0.2%
CMG MORTGAGE, INC. $560,000 $480,000 -14.3% 0.2%
Ennis State Bank $365,000 $480,000 31.5% 0.2%
Paramount Residential Mortgage Group, Inc. $665,000 $480,000 -27.8% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $240,000 $475,000 97.9% 0.2%
The American National Bank of Texas $2,780,000 $470,000 -83.1% 0.2%
The City National Bank of Sulphur Springs $470,000 n/a 0.2%
Happy State Bank $460,000 n/a 0.2%
PREMIA MORTGAGE, LLC $245,000 $455,000 85.7% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $735,000 $450,000 -38.8% 0.2%
Texas Bank Financial $155,000 $450,000 190.3% 0.2%
BROKER SOLUTIONS, INC. $580,000 $435,000 -25.0% 0.2%
Ally Bank $425,000 n/a 0.2%
Republic State Mortgage Co. $340,000 $415,000 22.1% 0.2%
DATCU $410,000 n/a 0.2%
American Airlines Federal Credit Union $395,000 n/a 0.2%
TOWNE MORTGAGE COMPANY $395,000 n/a 0.2%
AMERICAN ADVISORS GROUP $235,000 $380,000 61.7% 0.2%
PLANET HOME LENDING, LLC $520,000 $380,000 -26.9% 0.2%
Sunflower Bank $950,000 $380,000 -60.0% 0.2%
INTELLILOAN, INC. $375,000 n/a 0.2%
USAA Federal Savings Bank $810,000 $370,000 -54.3% 0.2%
HIGHLAND HOMELOANS, LLC $365,000 n/a 0.2%
Wallick & Volk, Inc. $365,000 n/a 0.2%
First Financial Bank $135,000 $360,000 166.7% 0.1%
LEADERONE FINANCIAL CORPORATION $470,000 $360,000 -23.4% 0.1%
FBC MORTGAGE, LLC $390,000 $355,000 -9.0% 0.1%
EUSTIS AND AMERICAN MORTGAGE COMPANY $480,000 $345,000 -28.1% 0.1%
Jefferson Bank $345,000 n/a 0.1%
SHELL FEDERAL CREDIT UNION $345,000 n/a 0.1%
UNION HOME MORTGAGE CORP. $235,000 $335,000 42.6% 0.1%
AmRes Corporation $325,000 n/a 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $325,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $310,000 n/a 0.1%
Equity Prime Mortgage LLC $305,000 n/a 0.1%
RED RIVER EMPLOYEES $35,000 $305,000 771.4% 0.1%
S1L, Inc. $955,000 $305,000 -68.1% 0.1%
Alliance Bank $400,000 $295,000 -26.3% 0.1%
NexBank $845,000 $295,000 -65.1% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $285,000 $295,000 3.5% 0.1%
TIB The Independent Bankersbank $300,000 $290,000 -3.3% 0.1%
Axos Bank $285,000 n/a 0.1%
The Home Loan Expert LLC $285,000 n/a 0.1%
UNITED MORTGAGE CORP. $660,000 $285,000 -56.8% 0.1%
LOANPAL, LLC $75,000 $275,000 266.7% 0.1%
Hometown Lenders, Inc. $75,000 $270,000 260.0% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $265,000 n/a 0.1%
COMPEER FINANCIAL, FLCA $255,000 n/a 0.1%
NATIONS DIRECT MORTGAGE, LLC $255,000 n/a 0.1%
Reliant Bank $75,000 $255,000 240.0% 0.1%
Carrington Mortgage Services, LLC $390,000 $250,000 -35.9% 0.1%
Texas Bank $245,000 n/a 0.1%
ADVANCIAL $175,000 $235,000 34.3% 0.1%
LENDSURE MORTGAGE CORP. $235,000 n/a 0.1%
NATIONWIDE MORTGAGE BANKERS, INC. $235,000 n/a 0.1%
The Jacksboro National Bank $235,000 n/a 0.1%
CANOPY MORTGAGE, LLC $235,000 $225,000 -4.3% 0.1%
METROPLEX MORTGAGE SERVICES, INC. $225,000 n/a 0.1%
PLAZA HOME MORTGAGE, INC. $290,000 $225,000 -22.4% 0.1%
ROYAL UNITED MORTGAGE LLC $200,000 $225,000 12.5% 0.1%
GREAT WESTERN FINANCIAL SERVICES, INC. $1,125,000 $220,000 -80.4% 0.1%
PENTAGON FEDERAL CREDIT UNION $35,000 $220,000 528.6% 0.1%
AMERICAN HOMESTAR MORTGAGE, L.L.C. $145,000 $215,000 48.3% 0.1%
Farmers Bank & Trust Company $210,000 n/a 0.1%
CLEARPATH LENDING $155,000 $205,000 32.3% 0.1%
First National Bank of Omaha $205,000 n/a 0.1%
NATIONS RELIABLE LENDING, LLC $215,000 $205,000 -4.7% 0.1%
STEARNS LENDING, LLC $55,000 $205,000 272.7% 0.1%
Wyndham Capital Mortgage, Inc. $335,000 $205,000 -38.8% 0.1%
Origin Bank $200,000 $200,000 0.0% 0.1%
DAS Acquisition Company, LLC $915,000 $195,000 -78.7% 0.1%
Lamar National Bank $1,005,000 $195,000 -80.6% 0.1%
Paramount Bank $195,000 n/a 0.1%
UMB Bank $195,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $435,000 $185,000 -57.5% 0.1%
CIVIC FINANCIAL SERVICES, LLC $95,000 $185,000 94.7% 0.1%
CONTOUR MORTGAGE CORPORATION $185,000 n/a 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $185,000 n/a 0.1%
First Bank & Trust $185,000 n/a 0.1%
Trinity Oaks Mortgage, LLC $185,000 n/a 0.1%
Loan Simple, Inc. $165,000 $165,000 0.0% 0.1%
RELIANCE FIRST CAPITAL, LLC $165,000 n/a 0.1%
Deere Employees Credit Union $155,000 n/a 0.1%
Prime Choice Funding Inc. $155,000 n/a 0.1%
GENEVA FINANCIAL, LLC $145,000 n/a 0.1%
North American Savings Bank, F.S.B. $145,000 n/a 0.1%
The Federal Savings Bank $145,000 n/a 0.1%
ATHAS CAPITAL GROUP, INC. $135,000 n/a 0.1%
BBVA USA $65,000 $135,000 107.7% 0.1%
Veritex Community Bank $1,055,000 $135,000 -87.2% 0.1%
First National Bank $125,000 n/a 0.1%
LENDINGHOME FUNDING CORPORATION $95,000 $125,000 31.6% 0.1%
Chicago Mortgage Solutions LLC $115,000 n/a 0.0%
INTOUCH CREDIT UNION $115,000 n/a 0.0%
Southwest Airlines Federal Credit Union $115,000 n/a 0.0%
Texas Republic Bank $115,000 n/a 0.0%
CELEBRITY HOME LOANS, LLC $105,000 n/a 0.0%
TIAA, FSB $105,000 n/a 0.0%
Incommons Bank, N.A. $95,000 n/a 0.0%
Discover Bank $325,000 $85,000 -73.8% 0.0%
FINANCE OF AMERICA REVERSE LLC $190,000 $85,000 -55.3% 0.0%
RED DIAMOND HOME LOANS, LLC $85,000 n/a 0.0%
Bank of England $320,000 $75,000 -76.6% 0.0%
International Bank of Commerce $75,000 n/a 0.0%
Austin Bank, Texas $35,000 $65,000 85.7% 0.0%
TEXAS TECH $65,000 $65,000 0.0% 0.0%
TOGETHER CREDIT UNION $55,000 n/a 0.0%
Colonial Savings, F.A. $145,000 $45,000 -69.0% 0.0%
Credit Union of Texas $200,000 $45,000 -77.5% 0.0%

Bonham's top lender by overall market share is GUILD MORTGAGE COMPANY, with 12.5% market share. In second place, with 8.6%, is First United Bank and Trust Company, having originated $20,720,000 in loans. In third place, with 6.0%, is QUICKEN LOANS, LLC, having originated $14,435,000 in loans. In third place, with 3.5%, is Legend Bank, N.A., having originated $8,520,000 in loans. In third place, with 3.3%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $7,865,000 in loans.


Bonham, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 556 $123,730,000 $222,536
Refi 340 $71,520,000 $210,353
Cash Out Refi 190 $40,730,000 $214,368
Other 20 $3,770,000 $188,500
Home Improvement 16 $1,750,000 $109,375

Bonham's most frequently cited loan purpose was Home Purchase, with 556 originations. The 2nd most popular reason was Refi, with 340 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 438 $99,760,000 $227,763
2.5-3% 335 $76,725,000 $229,030
<2.5% 145 $29,665,000 $204,586
4-5% 63 $11,495,000 $182,460
5-6% 30 $3,540,000 $118,000
Over 8% 26 $4,950,000 $190,385
6-7% 17 $1,815,000 $106,765
7-8% 12 $1,090,000 $90,833

During 2021, Bonham's most frequently originated rate bucket was 3-4%, with 438 originations.

Loan Sizing (Bonham, TX MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 433 $119,155,000 $275,185
$100k-200k 412 $62,000,000 $150,485
$100,000 or less 187 $12,165,000 $65,053
$400k-600k 79 $37,285,000 $471,962
$600k-1000k 9 $6,555,000 $728,333
$Over $1MM 2 $4,340,000 $2,170,000

Bonham's loan sizing saw the bucket of loans from $200k-400k with 433 originations, totaling $119,155,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 400 $95,290,000 $238,225
60-80% 349 $82,275,000 $235,745
40-60% 172 $31,730,000 $184,477
20-40% 58 $6,920,000 $119,310
Under 20% 36 $1,110,000 $30,833
Over 100% 24 $6,020,000 $250,833

Bonham's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 400 originations, totaling $95,290,000 in origination value.