Henderson Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Henderson averaged 6.91% for the week of 2023-03-16, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2023-03-09) was 7.34% and one month ago for the week of 2023-02-09, the average rate was 6.73%.

    Henderson's average rate one year ago was 3.16%.

    For refis of the same type during the week of 2023-03-16, the average rate was 7.28%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-16 6.6%
    Henderson 30 Year Fixed Rate 2023-03-16 6.91%
    Henderson 30 Year Fixed Rate Refi 2023-03-16 7.28%
    Henderson 15 Year Fixed Rate 2023-03-16 6.59%
    Henderson 15 Year Fixed Rate Refi 2023-03-16 6.86%
    Henderson 30 Year FHA 2023-03-16 6.63%
    Henderson 30 Year FHA Refi 2023-03-16 6.34%
    Henderson 30 Year USDA 2023-03-16 6.44%
    Henderson 30 Year VA 2023-03-16 6.36%
    Henderson 30 Year VA Refi 2023-03-16 5.67%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Henderson, NC.

    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.).

    Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    STATE EMPLOYEES' 112 3.90% $3,753
    QUICKEN LOANS, LLC 17 5.08% $5,478
    LOCAL GOVERNMENT FEDERAL CREDIT UNION 14 4.17% $4,368
    CALIBER HOME LOANS, INC. 11 4.79% $4,403
    Benchmark Community Bank 9 4.86% $4,862
    Wells Fargo Bank 6 4.50% $2,610
    COASTAL Federal Credit Union 6 4.23% $2,774
    LATINO COMMUNITY CREDIT UNION 5 6.00% $3,855
    Alcova Mortgage LLC 4 4.88% $3,627
    Truist 4 4.68% $5,824
    INSPIRE HOME LOANS INC. 4 5.75% $4,075
    UNITED WHOLESALE MORTGAGE, LLC 4 4.19% $5,840
    PNC Bank 3 5.13% $3,989
    AMERICAN FINANCING CORPORATION 3 5.13% $4,081
    MOVEMENT MORTGAGE, LLC 3 5.41% $4,357
    First-Citizens Bank & Trust Company 3 3.32% $3,871
    ANGEL OAK HOME LOANS LLC 3 5.75% $5,337
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 5.33% $6,482
    LOANDEPOT.COM, LLC 2 3.25% $7,696
    Prosperity Home Mortgage, LLC 2 4.63% $3,580
    Victorian Finance, LLC 2 4.69% $5,680
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 4.38% $5,405
    First Heritage Mortgage, LLC 2 4.37% $8,954
    GUARANTEED RATE, INC. 2 5.38% $4,229
    North State Bank 2 5.31% $4,247
    HOMESPIRE MORTGAGE CORPORATION 1 7.13% $12,307
    INTERCOASTAL MORTGAGE COMPANY 1 5.75% $3,369
    Mr. Cooper ( Nationstar Mortgage ) 1 4.75% $5,049
    MUTUAL OF OMAHA MORTGAGE, INC. 1 7.50% $5,044
    NETWORK CAPITAL FUNDING CORPORATION 1 4.63% $8,832
    PANORAMA MORTGAGE GROUP, LLC 1 4.88% $4,757
    PREMIA MORTGAGE, LLC 1 5.88% $923
    Signature Federal Credit Union 1 5.38% $6,131
    Southern First Bank 1 4.00% $3,051
    SOUTHERN TRUST MORTGAGE, LLC 1 5.00% $5,443
    TD Bank 1 4.50% $7,367
    The Central Trust Bank 1 5.13% $2,917
    The Fidelity Bank 1 5.00% $11,836
    Towne Mortgage of the Carolinas, LLC 1 4.13% $4,362
    UNION HOME MORTGAGE CORP. 1 5.63% $3,338
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 7.25% $4,577
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.00% $4,988
    ACADEMY MORTGAGE CORPORATION 1 3.50% $11,938
    AgCarolina Farm Credit, FLCA 1 6.53% $23,833
    AgFirst Farm Credit Bank 1 6.38% $3,850
    AMERICAN INTERNET MORTGAGE, INC. 1 4.50% $8,402
    American National Bank and Trust Company 1 5.50% $2,634
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.63% $3,633
    Ameris Bank 1 4.13% $5,176
    Bank of America 1 2.63% $928
    Bank of England 1 3.88% $5,047
    Blue Ridge Bank 1 5.25% $3,526
    BROKER SOLUTIONS, INC. 1 6.00% $3,429
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 5.38% $9,630
    CMG MORTGAGE, INC. 1 5.99% $3,536
    COMMUNITYAMERICA 1 4.75% $5,351
    CORNERSTONE HOME LENDING, INC. 1 3.63% $3,770
    EASTMAN 1 6.63% $3,366
    Empower Federal Credit Union 1 5.63% $2,945
    EQUITY RESOURCES, INC. 1 7.00% $13,471
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 3.25% $8,587
    First Federal Bank 1 4.38% $5,602
    First Reliance Bank 1 3.25% $3,584
    FREEDOM MORTGAGE CORPORATION 1 4.88% $3,629
    GUILD MORTGAGE COMPANY 1 5.50% $5,749
    1ST SIGNATURE LENDING, LLC 1 4.38% $6,475

    Henderson Average Closing Costs & Other Stats

    Henderson, NC's 66 lenders originated 734 loans during 2022. The total origination value was $151,060,000, with an average loan value of $205,804.

    Henderson's average closing costs are $4,555.

    The top Henderson lender as defined by loan originations is STATE EMPLOYEES', with 112 loans originated. Their average total fees are $3,753, which is $1,725 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Henderson lenders (with over 10 loans originated) are STATE EMPLOYEES' ($3,753), LOCAL GOVERNMENT FEDERAL CREDIT UNION ($4,368), CALIBER HOME LOANS, INC. ($4,403), QUICKEN LOANS, LLC ($5,478) and .

    The lowest rate Henderson lenders (with over 10 loans originated) are STATE EMPLOYEES' (3.90%), LOCAL GOVERNMENT FEDERAL CREDIT UNION (4.17%), CALIBER HOME LOANS, INC. (4.79%), QUICKEN LOANS, LLC (5.08%) and .

    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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    STATE EMPLOYEES' $34,210,000 $32,070,000 -6.3% 21.2%
    Benchmark Community Bank $13,275,000 $13,860,000 4.4% 9.2%
    Carter Bank & Trust $35,000 $10,875,000 30,971.4% 7.2%
    QUICKEN LOANS, LLC $15,905,000 $5,670,000 -64.4% 3.8%
    INSPIRE HOME LOANS INC. $5,855,000 $4,835,000 -17.4% 3.2%
    LOCAL GOVERNMENT FEDERAL CREDIT UNION $3,955,000 $3,920,000 -0.9% 2.6%
    PNC Bank $1,580,000 $3,895,000 146.5% 2.6%
    First-Citizens Bank & Trust Company $3,875,000 $3,235,000 -16.5% 2.1%
    Truist $5,285,000 $3,225,000 -39.0% 2.1%
    CALIBER HOME LOANS, INC. $4,060,000 $3,195,000 -21.3% 2.1%
    Royal Business Bank $3,005,000 n/a 2.0%
    COASTAL Federal Credit Union $2,690,000 $2,805,000 4.3% 1.9%
    AgCarolina Farm Credit, FLCA $165,000 $2,470,000 1,397.0% 1.6%
    The Fidelity Bank $1,500,000 $2,005,000 33.7% 1.3%
    LOANDEPOT.COM, LLC $2,135,000 $1,675,000 -21.5% 1.1%
    Alcova Mortgage LLC $465,000 $1,640,000 252.7% 1.1%
    UNITED WHOLESALE MORTGAGE, LLC $1,370,000 $1,615,000 17.9% 1.1%
    INTERCOASTAL MORTGAGE COMPANY $1,225,000 $1,525,000 24.5% 1.0%
    MOVEMENT MORTGAGE, LLC $1,875,000 $1,505,000 -19.7% 1.0%
    Wells Fargo Bank $1,825,000 $1,235,000 -32.3% 0.8%
    ANGEL OAK HOME LOANS LLC $840,000 $1,100,000 31.0% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $1,385,000 $1,065,000 -23.1% 0.7%
    VANDERBILT MORTGAGE AND FINANCE, INC. $1,045,000 $1,050,000 0.5% 0.7%
    Mortgage Research Center, LLC $2,435,000 $1,040,000 -57.3% 0.7%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $115,000 $1,040,000 804.3% 0.7%
    EQUITY RESOURCES, INC. $1,360,000 $1,005,000 -26.1% 0.7%
    Victorian Finance, LLC $365,000 $990,000 171.2% 0.7%
    PREMIA MORTGAGE, LLC $970,000 n/a 0.6%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,275,000 $965,000 -57.6% 0.6%
    CORNERSTONE HOME LENDING, INC. $860,000 $905,000 5.2% 0.6%
    North State Bank $1,080,000 $890,000 -17.6% 0.6%
    FREEDOM MORTGAGE CORPORATION $4,080,000 $885,000 -78.3% 0.6%
    GoPrime Mortgage, Inc. $710,000 $875,000 23.2% 0.6%
    1ST SIGNATURE LENDING, LLC $955,000 $860,000 -9.9% 0.6%
    American National Bank and Trust Company $235,000 $850,000 261.7% 0.6%
    LATINO COMMUNITY CREDIT UNION $1,500,000 $845,000 -43.7% 0.6%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $980,000 $815,000 -16.8% 0.5%
    Ameris Bank $1,790,000 $805,000 -55.0% 0.5%
    SOUTHERN TRUST MORTGAGE, LLC $545,000 $730,000 33.9% 0.5%
    CMG MORTGAGE, INC. $1,355,000 $700,000 -48.3% 0.5%
    First Heritage Mortgage, LLC $730,000 $690,000 -5.5% 0.5%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,000,000 $650,000 -67.5% 0.4%
    Prosperity Home Mortgage, LLC $205,000 $650,000 217.1% 0.4%
    AMERICAN FINANCING CORPORATION $345,000 $645,000 87.0% 0.4%
    DEEPHAVEN MORTGAGE LLC $635,000 n/a 0.4%
    First Reliance Bank $1,605,000 $635,000 -60.4% 0.4%
    GENEVA FINANCIAL, LLC $205,000 $635,000 209.8% 0.4%
    LENDINGHOME FUNDING CORPORATION $630,000 n/a 0.4%
    Southern First Bank $615,000 n/a 0.4%
    PLANET HOME LENDING, LLC $135,000 $610,000 351.9% 0.4%
    UNION HOME MORTGAGE CORP. $555,000 $600,000 8.1% 0.4%
    Union Bank $230,000 $575,000 150.0% 0.4%
    Blue Ridge Bank $910,000 $540,000 -40.7% 0.4%
    GUARANTEED RATE, INC. $1,330,000 $515,000 -61.3% 0.3%
    Hometown Lenders, Inc. $530,000 $515,000 -2.8% 0.3%
    AMERISAVE MORTGAGE CORPORATION $620,000 $510,000 -17.7% 0.3%
    BETTER MORTGAGE CORPORATION $645,000 $505,000 -21.7% 0.3%
    Mid-Continent Funding, Inc. $225,000 $500,000 122.2% 0.3%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $490,000 $495,000 1.0% 0.3%
    USAA Federal Savings Bank $925,000 $495,000 -46.5% 0.3%
    HOMESPIRE MORTGAGE CORPORATION $475,000 n/a 0.3%
    NETWORK CAPITAL FUNDING CORPORATION $470,000 n/a 0.3%
    Shamrock Home Loans, Inc. $470,000 n/a 0.3%
    The Federal Savings Bank $345,000 $450,000 30.4% 0.3%
    Signature Federal Credit Union $440,000 n/a 0.3%
    The Central Trust Bank $440,000 n/a 0.3%
    CALCON MUTUAL MORTGAGE LLC $425,000 $435,000 2.4% 0.3%
    Alpha Mortgage Corporation $410,000 n/a 0.3%
    LOANPAL, LLC $310,000 $400,000 29.0% 0.3%
    BROKER SOLUTIONS, INC. $1,085,000 $390,000 -64.1% 0.3%
    GUILD MORTGAGE COMPANY $135,000 $390,000 188.9% 0.3%
    SELF-HELP Credit Union $435,000 $370,000 -14.9% 0.2%
    Encompass Lending Group, LP $165,000 $365,000 121.2% 0.2%
    Nations Lending Corporation $160,000 $340,000 112.5% 0.2%
    AMERICAN FINANCIAL RESOURCES, INC. $450,000 $325,000 -27.8% 0.2%
    Summit Credit Union $190,000 $325,000 71.1% 0.2%
    THRIVE MORTGAGE, LLC $325,000 n/a 0.2%
    Call Federal Credit Union $315,000 n/a 0.2%
    CBM Mortgage, Inc. $310,000 n/a 0.2%
    NAVY FEDERAL CREDIT UNION $825,000 $310,000 -62.4% 0.2%
    FBC MORTGAGE, LLC $325,000 $295,000 -9.2% 0.2%
    NEWREZ LLC $935,000 $290,000 -69.0% 0.2%
    First Federal Bank $490,000 $285,000 -41.8% 0.2%
    LIMA ONE CAPITAL, LLC $285,000 n/a 0.2%
    NEW DAY FINANCIAL, LLC $230,000 $275,000 19.6% 0.2%
    TD Bank $435,000 $275,000 -36.8% 0.2%
    ACADEMY MORTGAGE CORPORATION $265,000 n/a 0.2%
    NFM, INC. $225,000 $265,000 17.8% 0.2%
    ZILLOW HOME LOANS, LLC $265,000 n/a 0.2%
    RUOFF MORTGAGE COMPANY, INC. $255,000 n/a 0.2%
    Bank of America $925,000 $250,000 -73.0% 0.2%
    PENNYMAC LOAN SERVICES, LLC $1,330,000 $240,000 -82.0% 0.2%
    The Huntington National Bank $240,000 n/a 0.2%
    AMERICAN INTERNET MORTGAGE, INC. $225,000 n/a 0.1%
    CIS Financial Services, Inc. $215,000 n/a 0.1%
    EASTMAN $205,000 n/a 0.1%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $520,000 $195,000 -62.5% 0.1%
    Atlantic Union Bank $195,000 n/a 0.1%
    Barrington Bank & Trust Company, N.A. $320,000 $195,000 -39.1% 0.1%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $195,000 n/a 0.1%
    Towne Mortgage of the Carolinas, LLC $125,000 $195,000 56.0% 0.1%
    Bank of England $865,000 $185,000 -78.6% 0.1%
    CROSSCOUNTRY MORTGAGE, LLC $535,000 $185,000 -65.4% 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $380,000 $185,000 -51.3% 0.1%
    U.S. Bank $180,000 n/a 0.1%
    Mortgage Network, Inc. $175,000 n/a 0.1%
    First Guaranty Mortgage Corporation $530,000 $165,000 -68.9% 0.1%
    First Horizon Bank $165,000 n/a 0.1%
    Carrington Mortgage Services, LLC $560,000 $160,000 -71.4% 0.1%
    RELIANCE FIRST CAPITAL, LLC $480,000 $155,000 -67.7% 0.1%
    BAYSHORE MORTGAGE FUNDING, LLC $205,000 $125,000 -39.0% 0.1%
    First Home Bank $770,000 $125,000 -83.8% 0.1%
    Flagstar Bank, FSB $125,000 n/a 0.1%
    POLARIS HOME FUNDING CORP. $125,000 n/a 0.1%
    Touchstone Bank $485,000 $125,000 -74.2% 0.1%
    Empower Federal Credit Union $115,000 n/a 0.1%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $105,000 n/a 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $105,000 $105,000 0.0% 0.1%
    SOUTHWEST STAGE FUNDING, LLC $105,000 n/a 0.1%
    21ST MORTGAGE CORPORATION $100,000 n/a 0.1%
    AgFirst Farm Credit Bank $95,000 n/a 0.1%
    PANORAMA MORTGAGE GROUP, LLC $95,000 n/a 0.1%
    Truliant Federal Credit Union $95,000 n/a 0.1%
    Figure Lending LLC $45,000 $90,000 100.0% 0.1%
    SPRING EQ, LLC $90,000 n/a 0.1%
    GUIDANCE RESIDENTIAL, LLC $65,000 n/a 0.0%
    COMMUNITYAMERICA $55,000 n/a 0.0%
    Deere Employees Credit Union $55,000 n/a 0.0%
    VISION FINANCIAL $50,000 n/a 0.0%
    ALLEGACY FEDERAL CREDIT UNION $45,000 n/a 0.0%
    LANGLEY $45,000 n/a 0.0%
    Southern Bank and Trust Company $645,000 $45,000 -93.0% 0.0%

    Henderson's top lender by overall market share is STATE EMPLOYEES', with 21.2% market share. In second place, with 9.2%, is Benchmark Community Bank, having originated $13,860,000 in loans. In third place, with 7.2%, is Carter Bank & Trust, having originated $10,875,000 in loans. In fourth place, with 3.8%, is QUICKEN LOANS, LLC, having originated $5,670,000 in loans. In fifth place, with 3.2%, is INSPIRE HOME LOANS INC., having originated $4,835,000 in loans.

    Henderson Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Henderson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $180,495 (40.2%) $204,240 (16.9%) 0.00 72
    2018-02-01 $173,993 (17.6%) $204,679 (19.2%) 0.00 71
    2018-03-01 $149,900 (-0.6%) $195,859 (3.6%) 0.00 78
    2018-04-01 $177,150 (18.1%) $200,655 (4.7%) 0.00 78
    2018-05-01 $159,925 (2.4%) $190,599 (1.3%) 0.00 77
    2018-06-01 $169,000 (5.8%) $197,254 (0.2%) 0.00 73
    2018-07-01 $170,700 (-0.8%) $239,677 (17.1%) 0.00 69
    2018-08-01 $159,675 (0.8%) $236,310 (21.1%) 0.00 65
    2018-09-01 $172,400 (6.4%) $244,861 (24.5%) 0.00 70
    2018-10-01 $184,200 (8.4%) $255,563 (28.7%) 0.00 70
    2018-11-01 $158,725 (-9.8%) $239,134 (18.0%) 0.00 78
    2018-12-01 $129,000 (-29.9%) $201,560 (-3.1%) 0.00 85
    2019-01-01 $116,500 (-35.5%) $168,456 (-17.5%) 0.00 78
    2019-02-01 $127,750 (-26.6%) $172,204 (-15.9%) 0.00 78
    2019-03-01 $137,764 (-8.1%) $181,727 (-7.2%) 0.00 73
    2019-04-01 $149,225 (-15.8%) $186,708 (-7.0%) 0.00 77
    2019-05-01 $149,475 (-6.5%) $191,693 (0.6%) 0.00 72
    2019-06-01 $197,000 (16.6%) $217,856 (10.4%) 0.00 57
    2019-07-01 $198,450 (16.3%) $217,380 (-9.3%) 0.00 56
    2019-08-01 $189,536 (18.7%) $210,349 (-11.0%) 0.00 57
    2019-09-01 $173,991 (0.9%) $201,169 (-17.8%) 0.00 60
    2019-10-01 $153,400 (-16.7%) $190,604 (-25.4%) 0.00 63
    2019-11-01 $159,000 (0.2%) $185,432 (-22.5%) 0.00 70
    2019-12-01 $150,448 (16.6%) $177,770 (-11.8%) 0.00 64
    2020-01-01 $179,000 (53.7%) $214,664 (27.4%) 0.00 46
    2020-02-01 $172,450 (35.0%) $193,388 (12.3%) 0.00 49
    2020-03-01 $153,750 (11.6%) $185,814 (2.3%) 0.00 55
    2020-04-01 $189,553 (27.0%) $194,777 (4.3%) 0.00 60
    2020-05-01 $189,990 (27.1%) $195,948 (2.2%) 0.00 57
    2020-06-01 $172,225 (-12.6%) $203,796 (-6.5%) 0.00 40
    2020-07-01 $197,933 (-0.3%) $218,825 (0.7%) 0.00 39
    2020-08-01 $235,000 (24.0%) $271,041 (28.9%) 0.00 34
    2020-09-01 $244,000 (40.2%) $293,939 (46.1%) 0.00 36
    2020-10-01 $161,500 (5.3%) $276,897 (45.3%) 0.00 35
    2020-11-01 $166,750 (4.9%) $271,825 (46.6%) 0.00 38
    2020-12-01 $159,250 (5.9%) $226,227 (27.3%) 0.00 33
    2021-01-01 $167,500 (-6.4%) $241,832 (12.7%) 0.00 28
    2021-02-01 $160,000 (-7.2%) $222,386 (15.0%) 0.00 27
    2021-03-01 $166,475 (8.3%) $316,724 (70.5%) 0.00 20
    2021-04-01 $229,725 (21.2%) $339,516 (74.3%) 0.00 22
    2021-05-01 $202,400 (6.5%) $283,732 (44.8%) 0.00 24
    2021-06-01 $212,250 (23.2%) $292,077 (43.3%) 0.00 25
    2021-07-01 $175,000 (-11.6%) $289,244 (32.2%) 0.00 32
    2021-08-01 $163,725 (-30.3%) $262,568 (-3.1%) 0.00 49
    2021-09-01 $165,000 (-32.4%) $282,604 (-3.9%) 0.00 48
    2021-10-01 $186,250 (15.3%) $269,061 (-2.8%) 0.00 40
    2021-11-01 $159,975 (-4.1%) $226,142 (-16.8%) 0.00 35
    2021-12-01 $160,000 (0.5%) $264,610 (17.0%) 0.00 31
    2022-01-01 $169,950 (1.5%) $274,730 (13.6%) 0.00 30
    2022-02-01 $158,450 (-1.0%) $242,231 (8.9%) 0.00 25
    2022-03-01 $268,475 (61.3%) $319,880 (1.0%) 0.00 26
    2022-04-01 $289,900 (26.2%) $352,072 (3.7%) 0.00 26
    2022-05-01 $270,000 (33.4%) $328,350 (15.7%) 0.00 34
    2022-06-01 $275,975 (30.0%) $325,080 (11.3%) 0.00 40
    2022-07-01 $282,200 (61.3%) $327,973 (13.4%) 0.00 49
    2022-08-01 $282,200 (72.4%) $331,591 (26.3%) 0.00 56
    2022-09-01 $277,000 (67.9%) $320,670 (13.5%) 0.00 54
    2022-10-01 $270,000 (45.0%) $321,365 (19.4%) 0.00 56
    2022-11-01 $258,675 (61.7%) $305,042 (34.9%) 0.00 55
    2022-12-01 $244,950 (53.1%) $308,570 (16.6%) 0.00 52
    2023-01-01 $275,000 (61.8%) $312,858 (13.9%) 0.00 48
    2023-02-01 $262,500 (65.7%) $296,606 (22.5%) 0.00 52
    Henderson's median listing price for 2023-02-01 was $262,500, a difference of $104,050 (65.7%) versus the prior year and $-12,500 versus the prior month.

    Henderson's median listing price comes in at 0% of the national average.

    Henderson's average listing price for 2023-02-01 was $296,606, a difference of $54,375 (22.5%) versus the prior year and $-16,252 versus the prior month.

    For the 2023-02-01 period, Henderson had 52 MLS listings, a difference of 4 listings (8%) versus the prior month and 27 listings (108%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Henderson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,933 sqft
    2018-02-01 0 days 1,897 sqft
    2018-03-01 0 days 1,800 sqft
    2018-04-01 0 days 1,782 sqft
    2018-05-01 0 days 1,783 sqft
    2018-06-01 0 days 1,805 sqft
    2018-07-01 0 days 1,860 sqft
    2018-08-01 0 days 1,808 sqft
    2018-09-01 0 days 1,820 sqft
    2018-10-01 0 days 1,819 sqft
    2018-11-01 0 days 1,771 sqft
    2018-12-01 0 days 1,532 sqft
    2019-01-01 0 days 1,396 sqft
    2019-02-01 0 days 1,512 sqft
    2019-03-01 0 days 1,540 sqft
    2019-04-01 0 days 1,575 sqft
    2019-05-01 0 days 1,616 sqft
    2019-06-01 0 days 1,760 sqft
    2019-07-01 0 days 1,809 sqft
    2019-08-01 0 days 1,782 sqft
    2019-09-01 0 days 1,736 sqft
    2019-10-01 0 days 1,673 sqft
    2019-11-01 0 days 1,569 sqft
    2019-12-01 0 days 1,469 sqft
    2020-01-01 0 days 1,757 sqft
    2020-02-01 0 days 1,813 sqft
    2020-03-01 0 days 1,847 sqft
    2020-04-01 0 days 1,922 sqft
    2020-05-01 0 days 1,814 sqft
    2020-06-01 0 days 1,810 sqft
    2020-07-01 0 days 1,854 sqft
    2020-08-01 0 days 1,854 sqft
    2020-09-01 0 days 1,761 sqft
    2020-10-01 0 days 1,850 sqft
    2020-11-01 0 days 1,781 sqft
    2020-12-01 0 days 1,641 sqft
    2021-01-01 0 days 1,617 sqft
    2021-02-01 0 days 1,544 sqft
    2021-03-01 0 days 1,757 sqft
    2021-04-01 0 days 2,022 sqft
    2021-05-01 0 days 1,721 sqft
    2021-06-01 0 days 1,794 sqft
    2021-07-01 0 days 1,740 sqft
    2021-08-01 0 days 1,576 sqft
    2021-09-01 0 days 1,502 sqft
    2021-10-01 0 days 1,456 sqft
    2021-11-01 0 days 1,456 sqft
    2021-12-01 0 days 1,608 sqft
    2022-01-01 0 days 1,396 sqft
    2022-02-01 0 days 1,307 sqft
    2022-03-01 0 days 1,602 sqft
    2022-04-01 0 days 1,665 sqft
    2022-05-01 0 days 1,665 sqft
    2022-06-01 0 days 1,672 sqft
    2022-07-01 0 days 1,667 sqft
    2022-08-01 0 days 1,736 sqft
    2022-09-01 0 days 1,730 sqft
    2022-10-01 0 days 1,660 sqft
    2022-11-01 0 days 1,658 sqft
    2022-12-01 0 days 1,568 sqft
    2023-01-01 0 days 1,650 sqft
    2023-02-01 0 days 1,669 sqft
    Henderson's median listing age (time on market) for 2023-02-01 was 0 days.

    Henderson's median square footage for active listings during the 2023-02-01 period was 1,669 sqft. One year prior, the average listing was 1,307 sqft.

    Henderson, NC Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 405 $104,605,000 $258,284
    Refi 135 $23,905,000 $177,074
    Cash Out Refi 79 $13,485,000 $170,696
    Home Improvement 58 $4,110,000 $70,862
    Other 57 $4,955,000 $86,930

    Henderson's most frequently cited loan purpose was Home Purchase, with 405 originations. The 2nd most popular reason was Refi, with 135 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 228 $41,660,000 $182,719
    4-5% 172 $46,330,000 $269,360
    5-6% 144 $32,840,000 $228,056
    2.5-3% 67 $9,175,000 $136,940
    6-7% 53 $11,405,000 $215,189
    Over 8% 26 $2,480,000 $95,385
    7-8% 25 $4,865,000 $194,600
    <2.5% 10 $1,220,000 $122,000

    During 2022, Henderson's most frequently originated rate bucket was 3-4%, with 228 originations.

    Loan Sizing (Henderson, NC MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 259 $39,225,000 $151,448
    $200k-400k 238 $63,100,000 $265,126
    $100,000 or less 195 $11,485,000 $58,897
    $400k-600k 29 $13,305,000 $458,793
    $600k-1000k 7 $4,785,000 $683,571
    $Over $1MM 6 $19,160,000 $3,193,333

    Henderson's loan sizing saw the bucket of loans from $100k-200k with 259 originations, totaling $39,225,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 335 $77,015,000 $229,896
    60-80% 167 $45,155,000 $270,389
    40-60% 75 $14,255,000 $190,067
    20-40% 70 $6,760,000 $96,571
    Under 20% 60 $2,410,000 $40,167
    Over 100% 18 $3,980,000 $221,111

    Henderson's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 335 originations, totaling $77,015,000 in origination value.