Henderson Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Henderson averaged
7.13%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.86% and
one month ago for the week of 2025-05-15, the
average rate was 6.93%.
Henderson's average rate one year ago was 7.37%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.41%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Henderson 30 Year Fixed Rate | 2025-06-18 | 7.13% |
| Henderson 30 Year Fixed Rate Refi | 2025-06-18 | 7.41% |
| Henderson 15 Year Fixed Rate | 2025-06-18 | 5.96% |
| Henderson 15 Year Fixed Rate Refi | 2025-06-18 | 6.16% |
| Henderson 30 Year FHA | 2025-06-18 | 0.15% |
| Henderson 30 Year FHA Refi | 2025-06-18 | 0% |
| Henderson 30 Year USDA | 2025-06-18 | -0.2% |
| Henderson 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Henderson 30 Year VA | 2025-06-18 | -0.2% |
| Henderson 30 Year VA Refi | 2025-06-18 | 0.2% |
Henderson 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 Henderson, NC 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.).
Henderson Average Closing Costs & Other Stats
Henderson, NC's 52 lenders originated 533
loans during 2024. The total origination value was $99,845,000, with an average loan value of
$187,326.
Henderson's average closing costs are $5,131.
The top Henderson lender as defined by loan originations is STATE EMPLOYEES', with
38 loans originated. Their average total fees are
$4,156, which is $2,806
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Henderson lenders (with over 10 loans originated) are
STATE EMPLOYEES' ($4,156), QUICKEN LOANS, LLC ($6,962), .
The lowest rate Henderson lenders (with over 10 loans originated) are
STATE EMPLOYEES' (6.31%), QUICKEN LOANS, LLC (6.63%), .
Henderson, NC 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 |
|---|---|---|---|---|
| STATE EMPLOYEES' | $16,410,000 | $16,935,000 | 3.2% | 17.0% |
| Benchmark Community Bank | $6,695,000 | $8,030,000 | 19.9% | 8.0% |
| QUICKEN LOANS, LLC | $6,755,000 | $7,795,000 | 15.4% | 7.8% |
| Mortgage Research Center, LLC | $1,695,000 | $4,545,000 | 168.1% | 4.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $2,630,000 | $4,300,000 | 63.5% | 4.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,950,000 | $2,790,000 | 43.1% | 2.8% |
| Truist | $2,460,000 | $2,695,000 | 9.6% | 2.7% |
| COASTAL Federal Credit Union | $1,425,000 | $2,395,000 | 68.1% | 2.4% |
| BROKER SOLUTIONS, INC. | $1,065,000 | $2,375,000 | 123.0% | 2.4% |
| NAVY FEDERAL CREDIT UNION | $250,000 | $2,140,000 | 756.0% | 2.1% |
| UNION HOME MORTGAGE CORP. | $1,270,000 | $2,055,000 | 61.8% | 2.1% |
| FREEDOM MORTGAGE CORPORATION | $1,870,000 | n/a | 1.9% | |
| MOVEMENT MORTGAGE, LLC | $1,220,000 | $1,685,000 | 38.1% | 1.7% |
| EQUITY RESOURCES, INC. | $205,000 | $1,450,000 | 607.3% | 1.5% |
| First National Bank of Pennsylvania | $920,000 | $1,435,000 | 56.0% | 1.4% |
| LOANDEPOT.COM, LLC | $1,195,000 | $1,410,000 | 18.0% | 1.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,910,000 | $1,285,000 | -32.7% | 1.3% |
| First-Citizens Bank & Trust Company | $3,215,000 | $1,230,000 | -61.7% | 1.2% |
| First Carolina Bank | $1,210,000 | n/a | 1.2% | |
| NEWREZ LLC | $1,400,000 | $995,000 | -28.9% | 1.0% |
| PNC Bank | $1,545,000 | $945,000 | -38.8% | 0.9% |
| First National Bank of America | $380,000 | $905,000 | 138.2% | 0.9% |
| AMERISAVE MORTGAGE CORPORATION | $690,000 | $885,000 | 28.3% | 0.9% |
| Towne Mortgage of the Carolinas, LLC | $690,000 | $880,000 | 27.5% | 0.9% |
| CARDINAL FINANCIAL | $915,000 | $855,000 | -6.6% | 0.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $640,000 | $805,000 | 25.8% | 0.8% |
| CORNERSTONE HOME LENDING, INC. | $835,000 | $750,000 | -10.2% | 0.8% |
| Mr. Cooper ( Nationstar Mortgage ) | $225,000 | $730,000 | 224.4% | 0.7% |
| GUARANTEED RATE, INC. | $520,000 | $725,000 | 39.4% | 0.7% |
| ZILLOW HOME LOANS, LLC | $265,000 | $670,000 | 152.8% | 0.7% |
| LENDINGHOME FUNDING CORPORATION | $155,000 | $650,000 | 319.4% | 0.7% |
| Piedmont Federal Savings Bank | $645,000 | n/a | 0.6% | |
| SeaTrust Mortgage Company | $615,000 | n/a | 0.6% | |
| Northpointe Bank | $595,000 | n/a | 0.6% | |
| The Fidelity Bank | $1,600,000 | $570,000 | -64.4% | 0.6% |
| Bank of America | $550,000 | $500,000 | -9.1% | 0.5% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $275,000 | $500,000 | 81.8% | 0.5% |
| The Federal Savings Bank | $625,000 | $500,000 | -20.0% | 0.5% |
| TIDEWATER MORTGAGE SERVICES, INC. | $500,000 | n/a | 0.5% | |
| Carrington Mortgage Services, LLC | $520,000 | $490,000 | -5.8% | 0.5% |
| FIRST HOME MORTGAGE CORPORATION | $470,000 | n/a | 0.5% | |
| LOCAL GOVERNMENT FEDERAL CREDIT UNION | $2,005,000 | $465,000 | -76.8% | 0.5% |
| UIF CORPORATION | $455,000 | n/a | 0.5% | |
| PENNYMAC LOAN SERVICES, LLC | $360,000 | $440,000 | 22.2% | 0.4% |
| Victorian Finance, LLC | $500,000 | $420,000 | -16.0% | 0.4% |
| Citadel Servicing Corporation | $415,000 | n/a | 0.4% | |
| PLAZA HOME MORTGAGE, INC. | $385,000 | n/a | 0.4% | |
| Atlantic Coast Mortgage, LLC | $365,000 | $375,000 | 2.7% | 0.4% |
| INTERCOASTAL MORTGAGE COMPANY | $980,000 | $370,000 | -62.2% | 0.4% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $255,000 | $365,000 | 43.1% | 0.4% |
| DELMAR FINANCIAL COMPANY | $360,000 | n/a | 0.4% | |
| First Heritage Mortgage, LLC | $595,000 | $360,000 | -39.5% | 0.4% |
| VERITAS FUNDING, LLC | $355,000 | n/a | 0.4% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $485,000 | $350,000 | -27.8% | 0.4% |
| Fifth Third Bank | $340,000 | n/a | 0.3% | |
| SELF-HELP Credit Union | $495,000 | $340,000 | -31.3% | 0.3% |
| Alcova Mortgage LLC | $195,000 | $335,000 | 71.8% | 0.3% |
| UNIVERSITY Federal Credit Union | $325,000 | n/a | 0.3% | |
| BAY EQUITY LLC | $215,000 | $315,000 | 46.5% | 0.3% |
| Plains Commerce Bank | $315,000 | n/a | 0.3% | |
| EVERETT FINANCIAL, INC. | $300,000 | n/a | 0.3% | |
| AmRes Corporation | $295,000 | n/a | 0.3% | |
| PREMIA MORTGAGE, LLC | $255,000 | $295,000 | 15.7% | 0.3% |
| FIRST SAVINGS MORTGAGE CORPORATION | $285,000 | n/a | 0.3% | |
| ALLIED MORTGAGE GROUP, INC. | $135,000 | $275,000 | 103.7% | 0.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $395,000 | $275,000 | -30.4% | 0.3% |
| DIRECT MORTGAGE LOANS, LLC | $135,000 | $265,000 | 96.3% | 0.3% |
| Pinnacle Bank | $105,000 | $260,000 | 147.6% | 0.3% |
| MID AMERICA MORTGAGE, INC. | $250,000 | n/a | 0.3% | |
| AMWEST FUNDING CORP. | $145,000 | $245,000 | 69.0% | 0.2% |
| AmeriHome Mortgage Company, LLC | $235,000 | n/a | 0.2% | |
| SFMC, LP | $275,000 | $235,000 | -14.5% | 0.2% |
| ENVOY MORTGAGE, LTD | $225,000 | n/a | 0.2% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $330,000 | $215,000 | -34.8% | 0.2% |
| TOP FLITE FINANCIAL, INC. | $215,000 | n/a | 0.2% | |
| USAA Federal Savings Bank | $215,000 | $215,000 | 0.0% | 0.2% |
| LOANLEADERS OF AMERICA, INC. | $205,000 | n/a | 0.2% | |
| Logan Finance Corporation | $195,000 | n/a | 0.2% | |
| NEW DAY FINANCIAL, LLC | $195,000 | n/a | 0.2% | |
| TOWNE MORTGAGE COMPANY | $195,000 | n/a | 0.2% | |
| LOANPAL, LLC | $185,000 | n/a | 0.2% | |
| GUILD MORTGAGE COMPANY | $180,000 | n/a | 0.2% | |
| Towne Bank | $275,000 | $180,000 | -34.5% | 0.2% |
| A&D Mortgage LLC | $265,000 | $175,000 | -34.0% | 0.2% |
| AgCarolina Farm Credit, FLCA | $645,000 | $175,000 | -72.9% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $175,000 | $175,000 | 0.0% | 0.2% |
| JPMorgan Chase Bank | $175,000 | $175,000 | 0.0% | 0.2% |
| LONGBRIDGE FINANCIAL, LLC | $175,000 | n/a | 0.2% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $165,000 | $165,000 | 0.0% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $165,000 | n/a | 0.2% | |
| SUMMIT FUNDING, INC. | $105,000 | $160,000 | 52.4% | 0.2% |
| Figure Lending LLC | $200,000 | $155,000 | -22.5% | 0.2% |
| First Federal Bank | $155,000 | n/a | 0.2% | |
| PLANET HOME LENDING, LLC | $145,000 | n/a | 0.1% | |
| HOMESPIRE MORTGAGE CORPORATION | $135,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $920,000 | $135,000 | -85.3% | 0.1% |
| Southern Bank and Trust Company | $480,000 | $135,000 | -71.9% | 0.1% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $125,000 | n/a | 0.1% | |
| Summit Credit Union | $205,000 | $115,000 | -43.9% | 0.1% |
| Equity Prime Mortgage LLC | $65,000 | $105,000 | 61.5% | 0.1% |
| RESOURCE FINANCIAL SERVICES, INC. | $105,000 | n/a | 0.1% | |
| RF Renovo Management Company, LLC | $95,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $105,000 | $85,000 | -19.0% | 0.1% |
| Bank of England | $135,000 | $85,000 | -37.0% | 0.1% |
| Discover Bank | $85,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $85,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $75,000 | n/a | 0.1% | |
| Charles Schwab Bank, SSB | $75,000 | n/a | 0.1% | |
| ATLANTA POSTAL | $45,000 | n/a | 0.0% | |
| LATINO COMMUNITY CREDIT UNION | $415,000 | $45,000 | -89.2% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $85,000 | $35,000 | -58.8% | 0.0% |
| HONDA Federal Credit Union | $25,000 | n/a | 0.0% | |
| U.S. Bank | $385,000 | $25,000 | -93.5% | 0.0% |
Henderson's top lender by overall market share is STATE EMPLOYEES', with 17.0% market share. In second place, with 8.0%, is Benchmark Community Bank, having originated $8,030,000 in loans. In third place, with 7.8%, is QUICKEN LOANS, LLC, having originated $7,795,000 in loans. In fourth place, with 4.6%, is Mortgage Research Center, LLC, having originated $4,545,000 in loans. In fifth place, with 4.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $4,300,000 in loans.
Henderson, NC Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 265 | $57,375,000 | $216,509 |
| Cash Out Refi | 89 | $17,085,000 | $191,966 |
| Refi | 66 | $14,600,000 | $221,212 |
| Home Improvement | 58 | $4,840,000 | $83,448 |
| Other | 55 | $5,945,000 | $108,091 |
Henderson's most frequently cited loan purpose was Home Purchase, with 265 originations. The 2nd most popular reason was Cash Out Refi, with 89 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 216 | $48,020,000 | $222,315 |
| 7-8% | 136 | $24,480,000 | $180,000 |
| Over 8% | 101 | $10,785,000 | $106,782 |
| 5-6% | 57 | $13,245,000 | $232,368 |
| <2.5% | 9 | $295,000 | $32,778 |
| 4-5% | 5 | $1,605,000 | $321,000 |
During 2024, Henderson's most frequently originated rate bucket was 6-7%, with 216 originations.
Loan Sizing (Henderson, NC MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 187 | $27,875,000 | $149,064 |
| $200k-400k | 172 | $45,590,000 | $265,058 |
| $100,000 or less | 144 | $7,810,000 | $54,236 |
| $400k-600k | 19 | $9,205,000 | $484,474 |
| $600k-1000k | 8 | $6,030,000 | $753,750 |
| $Over $1MM | 3 | $3,335,000 | $1,111,667 |
Henderson's loan sizing saw the bucket of loans from $100k-200k with 187 originations, totaling $27,875,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 211 | $50,835,000 | $240,924 |
| 60-80% | 89 | $21,395,000 | $240,393 |
| Under 20% | 78 | $3,500,000 | $44,872 |
| 20-40% | 71 | $8,145,000 | $114,718 |
| 40-60% | 65 | $10,535,000 | $162,077 |
| Over 100% | 9 | $2,305,000 | $256,111 |
Henderson's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 211 originations, totaling $50,835,000 in origination value.