Henderson Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Henderson averaged 6.89% for the week of 2024-06-06, compared to the national average of 6.99% for the same period.

The average rate for the prior week (2024-05-30) was 6.93% and one month ago for the week of 2024-05-02, the average rate was 7.12%.

Henderson's average rate one year ago was 6.59%.

For refis of the same type during the week of 2024-06-06, the average rate was 6.89%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-06-06 6.99%
Henderson 30 Year Fixed Rate 2024-06-06 6.89%
Henderson 30 Year Fixed Rate Refi 2024-06-06 6.89%
Henderson 15 Year Fixed Rate 2024-06-06 6.39%
Henderson 15 Year Fixed Rate Refi 2024-06-06 6.69%
Henderson 30 Year FHA 2024-06-06 6.49%
Henderson 30 Year FHA Refi 2024-06-06 6.89%
Henderson 30 Year USDA 2024-06-06 6.8%
Henderson 30 Year USDA Refi 2024-06-06 6.9%
Henderson 30 Year VA 2024-06-06 6.19%
Henderson 30 Year VA Refi 2024-06-06 6.59%
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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
STATE EMPLOYEES' 56 6.10% $3,943
QUICKEN LOANS, LLC 14 7.16% $6,840
Benchmark Community Bank 6 5.63% $1,124
First-Citizens Bank & Trust Company 5 6.55% $4,640
Wells Fargo Bank 5 6.25% $4,473
LOCAL GOVERNMENT FEDERAL CREDIT UNION 5 6.31% $4,249
UNITED WHOLESALE MORTGAGE, LLC 4 6.59% $8,920
Truist 4 7.10% $4,769
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 7.25% $5,315
CROSSCOUNTRY MORTGAGE, LLC 3 6.88% $6,374
INTERCOASTAL MORTGAGE COMPANY 3 6.37% $4,770
LATINO COMMUNITY CREDIT UNION 3 7.08% $3,634
First National Bank of America 2 10.19% $8,876
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 7.18% $6,597
AMERISAVE MORTGAGE CORPORATION 2 6.37% $8,076
COASTAL Federal Credit Union 2 6.25% $3,947
LOANDEPOT.COM, LLC 2 6.38% $6,183
MOVEMENT MORTGAGE, LLC 2 6.53% $3,921
PENNYMAC LOAN SERVICES, LLC 2 6.50% $6,523
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.56% $5,071
The Fidelity Bank 2 6.56% $6,243
UNION HOME MORTGAGE CORP. 2 6.81% $8,486
First National Bank of Pennsylvania 1 6.75% $5,438
Flagstar Bank, FSB 1 7.60% $2,911
George Mason Mortgage, LLC 1 6.99% $9,406
GUARANTEED RATE, INC. 1 7.50% $13,080
Carrington Mortgage Services, LLC 1 6.75% $5,481
JPMorgan Chase Bank 1 5.38% $407
CARDINAL FINANCIAL 1 7.50% $11,276
United Community Bank 1 7.00% $4,696
Capital City Home Loans, LLC 1 6.38% $4,591
Mortgage Research Center, LLC 1 5.75% $9,098
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.63% $5,329
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.13% $5,161
NAVY FEDERAL CREDIT UNION 1 6.88% $3,568
NBKC BANK 1 7.00% $3,061
North State Bank 1 6.50% $3,516
VANDERBILT MORTGAGE AND FINANCE, INC. 1 8.50% $8,238
Victorian Finance, LLC 1 6.38% $5,797
Prosperity Home Mortgage, LLC 1 6.38% $5,463
Blue Ridge Bank 1 6.00% $5,184
Renasant Bank 1 7.38% $7,955
SECURITYNATIONAL MORTGAGE COMPANY 1 6.63% $4,237
Signature Federal Credit Union 1 6.13% $8,741
Southern Bank and Trust Company 1 7.00% $3,256
Bank of England 1 7.50% $5,363
The Federal Savings Bank 1 6.75% $4,443
AgCarolina Farm Credit, FLCA 1 8.17% $10,725
Atlantic Coast Mortgage, LLC 1 7.13% $8,969
ZILLOW HOME LOANS, LLC 1 6.88% $6,614
EQUITY RESOURCES, INC. 1 6.00% $3,439
DIRECT MORTGAGE LOANS, LLC 1 6.13% $7,347
CBM Mortgage, Inc. 1 5.63% $6,865
First Heritage Mortgage, LLC 1 7.13% $6,809
First Horizon Bank 1 5.25% $3,683
ACADEMY MORTGAGE CORPORATION 1 7.00% $5,179

Henderson Average Closing Costs & Other Stats

Henderson, NC's 56 lenders originated 530 loans during 2023. The total origination value was $98,280,000, with an average loan value of $185,434.

Henderson's average closing costs are $4,843.

The top Henderson lender as defined by loan originations is STATE EMPLOYEES', with 56 loans originated. Their average total fees are $3,943, which is $2,897 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Henderson lenders (with over 10 loans originated) are STATE EMPLOYEES' ($3,943), QUICKEN LOANS, LLC ($6,840), .

The lowest rate Henderson lenders (with over 10 loans originated) are STATE EMPLOYEES' (6.10%), QUICKEN LOANS, LLC (7.16%), .

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
STATE EMPLOYEES' $32,070,000 $16,410,000 -48.8% 16.7%
Merchants Bank of Indiana $8,075,000 n/a 8.2%
QUICKEN LOANS, LLC $5,670,000 $6,755,000 19.1% 6.9%
Benchmark Community Bank $13,860,000 $6,695,000 -51.7% 6.8%
First-Citizens Bank & Trust Company $3,235,000 $3,215,000 -0.6% 3.3%
UNITED WHOLESALE MORTGAGE, LLC $1,615,000 $2,630,000 62.8% 2.7%
Truist $3,225,000 $2,460,000 -23.7% 2.5%
LOCAL GOVERNMENT FEDERAL CREDIT UNION $3,920,000 $2,005,000 -48.9% 2.0%
CROSSCOUNTRY MORTGAGE, LLC $185,000 $1,950,000 954.1% 2.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $965,000 $1,910,000 97.9% 1.9%
Mortgage Research Center, LLC $1,040,000 $1,695,000 63.0% 1.7%
The Fidelity Bank $2,005,000 $1,600,000 -20.2% 1.6%
PNC Bank $3,895,000 $1,545,000 -60.3% 1.6%
COASTAL Federal Credit Union $2,805,000 $1,425,000 -49.2% 1.4%
NEWREZ LLC $290,000 $1,400,000 382.8% 1.4%
Wells Fargo Bank $1,235,000 $1,390,000 12.6% 1.4%
UNION HOME MORTGAGE CORP. $600,000 $1,270,000 111.7% 1.3%
MOVEMENT MORTGAGE, LLC $1,505,000 $1,220,000 -18.9% 1.2%
LOANDEPOT.COM, LLC $1,675,000 $1,195,000 -28.7% 1.2%
BROKER SOLUTIONS, INC. $390,000 $1,065,000 173.1% 1.1%
INTERCOASTAL MORTGAGE COMPANY $1,525,000 $980,000 -35.7% 1.0%
First National Bank of Pennsylvania $920,000 n/a 0.9%
Prosperity Home Mortgage, LLC $650,000 $920,000 41.5% 0.9%
CARDINAL FINANCIAL $650,000 $915,000 40.8% 0.9%
PRIMELENDING, A PLAINSCAPITAL COMPANY $815,000 $870,000 6.7% 0.9%
CORNERSTONE HOME LENDING, INC. $905,000 $835,000 -7.7% 0.8%
Flagstar Bank, FSB $125,000 $795,000 536.0% 0.8%
First Horizon Bank $165,000 $720,000 336.4% 0.7%
AMERISAVE MORTGAGE CORPORATION $510,000 $690,000 35.3% 0.7%
Towne Mortgage of the Carolinas, LLC $195,000 $690,000 253.8% 0.7%
AgCarolina Farm Credit, FLCA $2,470,000 $645,000 -73.9% 0.7%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,050,000 $640,000 -39.0% 0.7%
The Federal Savings Bank $450,000 $625,000 38.9% 0.6%
First Heritage Mortgage, LLC $690,000 $595,000 -13.8% 0.6%
MUTUAL OF OMAHA MORTGAGE, INC. $105,000 $590,000 461.9% 0.6%
Bank of America $250,000 $550,000 120.0% 0.6%
Capital City Home Loans, LLC $520,000 n/a 0.5%
Carrington Mortgage Services, LLC $160,000 $520,000 225.0% 0.5%
GUARANTEED RATE, INC. $515,000 $520,000 1.0% 0.5%
Victorian Finance, LLC $990,000 $500,000 -49.5% 0.5%
SELF-HELP Credit Union $370,000 $495,000 33.8% 0.5%
Touchstone Bank $125,000 $495,000 296.0% 0.5%
AMERICAN FINANCIAL RESOURCES, INC. $325,000 $485,000 49.2% 0.5%
Blue Ridge Bank $540,000 $480,000 -11.1% 0.5%
Southern Bank and Trust Company $45,000 $480,000 966.7% 0.5%
LATINO COMMUNITY CREDIT UNION $845,000 $415,000 -50.9% 0.4%
PRIMARY RESIDENTIAL MORTGAGE, INC. $495,000 $395,000 -20.2% 0.4%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $105,000 $390,000 271.4% 0.4%
U.S. Bank $180,000 $385,000 113.9% 0.4%
First National Bank of America $380,000 n/a 0.4%
Atlantic Coast Mortgage, LLC $365,000 n/a 0.4%
George Mason Mortgage, LLC $365,000 n/a 0.4%
PENNYMAC LOAN SERVICES, LLC $240,000 $360,000 50.0% 0.4%
1ST SIGNATURE LENDING, LLC $860,000 $350,000 -59.3% 0.4%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $330,000 n/a 0.3%
NFM, INC. $265,000 $300,000 13.2% 0.3%
First Bank $285,000 n/a 0.3%
MILEND, INC. $275,000 n/a 0.3%
MORTGAGE SOLUTIONS OF COLORADO, LLC $1,040,000 $275,000 -73.6% 0.3%
SFMC, LP $275,000 n/a 0.3%
Towne Bank $275,000 n/a 0.3%
VELOCIO MORTGAGE L.L.C. $275,000 n/a 0.3%
A&D Mortgage LLC $265,000 n/a 0.3%
ZILLOW HOME LOANS, LLC $265,000 $265,000 0.0% 0.3%
CITY FIRST MORTGAGE SERVICES, L.L.C. $255,000 n/a 0.3%
PREMIA MORTGAGE, LLC $970,000 $255,000 -73.7% 0.3%
NAVY FEDERAL CREDIT UNION $310,000 $250,000 -19.4% 0.3%
CBM Mortgage, Inc. $310,000 $245,000 -21.0% 0.2%
Signature Federal Credit Union $440,000 $245,000 -44.3% 0.2%
United Community Bank $245,000 n/a 0.2%
LIMA ONE CAPITAL, LLC $285,000 $240,000 -15.8% 0.2%
NBKC BANK $235,000 n/a 0.2%
Renasant Bank $235,000 n/a 0.2%
Century Mortgage Company DBA Century Lending Company $225,000 n/a 0.2%
Mr. Cooper ( Nationstar Mortgage ) $1,065,000 $225,000 -78.9% 0.2%
SECURITYNATIONAL MORTGAGE COMPANY $225,000 n/a 0.2%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $195,000 $220,000 12.8% 0.2%
BAY EQUITY LLC $215,000 n/a 0.2%
GoPrime Mortgage, Inc. $875,000 $215,000 -75.4% 0.2%
Meridian Bank Corporation $215,000 n/a 0.2%
USAA Federal Savings Bank $495,000 $215,000 -56.6% 0.2%
DAS Acquisition Company, LLC $205,000 n/a 0.2%
EQUITY RESOURCES, INC. $1,005,000 $205,000 -79.6% 0.2%
LENDSURE MORTGAGE CORP. $205,000 n/a 0.2%
Summit Credit Union $325,000 $205,000 -36.9% 0.2%
Figure Lending LLC $90,000 $200,000 122.2% 0.2%
Alcova Mortgage LLC $1,640,000 $195,000 -88.1% 0.2%
HomeTrust Bank $195,000 n/a 0.2%
Barrington Bank & Trust Company, N.A. $195,000 $175,000 -10.3% 0.2%
JPMorgan Chase Bank $175,000 n/a 0.2%
RELIANCE FIRST CAPITAL, LLC $155,000 $170,000 9.7% 0.2%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $165,000 n/a 0.2%
HOMESIDE FINANCIAL, LLC $155,000 n/a 0.2%
LENDINGHOME FUNDING CORPORATION $630,000 $155,000 -75.4% 0.2%
MY MORTGAGE, INC. $155,000 n/a 0.2%
AMWEST FUNDING CORP. $145,000 n/a 0.1%
NETWORK CAPITAL FUNDING CORPORATION $470,000 $145,000 -69.1% 0.1%
NEXERA HOLDING LLC $145,000 n/a 0.1%
ALLIED MORTGAGE GROUP, INC. $135,000 n/a 0.1%
Bank of England $185,000 $135,000 -27.0% 0.1%
DIRECT MORTGAGE LOANS, LLC $135,000 n/a 0.1%
First Reliance Bank $635,000 $135,000 -78.7% 0.1%
ACADEMY MORTGAGE CORPORATION $265,000 $125,000 -52.8% 0.1%
Integrity Home Mortgage Corp $115,000 n/a 0.1%
Nations Lending Corporation $340,000 $115,000 -66.2% 0.1%
21ST MORTGAGE CORPORATION $100,000 $105,000 5.0% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $105,000 n/a 0.1%
Pinnacle Bank $105,000 n/a 0.1%
QUORUM FEDERAL CREDIT UNION $105,000 n/a 0.1%
SUMMIT FUNDING, INC. $105,000 n/a 0.1%
M&T Bank $95,000 n/a 0.1%
North State Bank $890,000 $95,000 -89.3% 0.1%
Shamrock Home Loans, Inc. $470,000 $95,000 -79.8% 0.1%
ABSOLUTE HOME MORTGAGE CORPORATION $85,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $85,000 n/a 0.1%
Equity Prime Mortgage LLC $65,000 n/a 0.1%
EASTMAN $205,000 $55,000 -73.2% 0.1%
Truliant Federal Credit Union $95,000 $55,000 -42.1% 0.1%
VISION FINANCIAL $50,000 $45,000 -10.0% 0.0%
CMG MORTGAGE, INC. $700,000 $35,000 -95.0% 0.0%
DIGITAL Federal Credit Union $35,000 n/a 0.0%
UTILITIES EMPLOYEES CREDIT UNION $25,000 n/a 0.0%

Henderson's top lender by overall market share is STATE EMPLOYEES', with 16.7% market share. In second place, with 8.2%, is Merchants Bank of Indiana, having originated $8,075,000 in loans. In third place, with 6.9%, is QUICKEN LOANS, LLC, having originated $6,755,000 in loans. In fourth place, with 6.8%, is Benchmark Community Bank, having originated $6,695,000 in loans. In fifth place, with 3.3%, is First-Citizens Bank & Trust Company, having originated $3,215,000 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 (40.3%) $204,240 (17.4%) 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 $126,000 (-27.6%) $170,822 (-16.5%) 0.00 77
2019-03-01 $136,621 (-8.9%) $180,080 (-8.1%) 0.00 72
2019-04-01 $149,225 (-15.8%) $186,502 (-7.1%) 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 (36.9%) $193,388 (13.2%) 0.00 49
2020-03-01 $153,750 (12.5%) $185,814 (3.2%) 0.00 55
2020-04-01 $189,553 (27.0%) $194,777 (4.4%) 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
2023-03-01 $299,450 (11.5%) $341,061 (6.6%) 0.00 52
2023-04-01 $325,000 (12.1%) $367,552 (4.4%) 0.00 40
2023-05-01 $325,000 (20.4%) $371,692 (13.2%) 0.00 40
2023-06-01 $325,000 (17.8%) $383,532 (18.0%) 0.00 44
2023-07-01 $315,000 (11.6%) $386,841 (18.0%) 0.00 48
2023-08-01 $299,725 (6.2%) $358,169 (8.0%) 0.00 55
2023-09-01 $299,500 (8.1%) $351,961 (9.8%) 0.00 55
2023-10-01 $295,000 (9.3%) $346,173 (7.7%) 0.00 53
2023-11-01 $289,000 (11.7%) $323,289 (6.0%) 0.00 53
2023-12-01 $299,250 (22.2%) $349,452 (13.3%) 0.00 54
2024-01-01 $282,300 (2.7%) $328,231 (4.9%) 0.00 54
2024-02-01 $284,500 (8.4%) $324,633 (9.5%) 0.00 56
2024-03-01 $304,900 (1.8%) $337,181 (-1.1%) 0.00 50
2024-04-01 $309,312 (-4.8%) $349,048 (-5.0%) 0.00 57
2024-05-01 $313,000 (-3.7%) $358,747 (-3.5%) 0.00 55
Henderson's median listing price for 2024-05-01 was $313,000, a difference of $-12,000 (-3.7%) versus the prior year and $3,688 versus the prior month.

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

Henderson's average listing price for 2024-05-01 was $358,747, a difference of $-12,945 (-3.5%) versus the prior year and $9,699 versus the prior month.

For the 2024-05-01 period, Henderson had 55 MLS listings, a difference of -2 listings (-4%) versus the prior month and 15 listings (38%) 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 1,511 sqft
2019-03-01 0 days 1,539 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
2023-03-01 0 days 1,735 sqft
2023-04-01 0 days 1,738 sqft
2023-05-01 0 days 1,738 sqft
2023-06-01 0 days 1,751 sqft
2023-07-01 0 days 1,740 sqft
2023-08-01 0 days 1,738 sqft
2023-09-01 0 days 1,612 sqft
2023-10-01 0 days 1,717 sqft
2023-11-01 0 days 1,520 sqft
2023-12-01 0 days 1,618 sqft
2024-01-01 0 days 1,607 sqft
2024-02-01 0 days 1,610 sqft
2024-03-01 0 days 1,694 sqft
2024-04-01 0 days 1,693 sqft
2024-05-01 0 days 1,749 sqft
Henderson's median listing age (time on market) for 2024-05-01 was 0 days.

Henderson's median square footage for active listings during the 2024-05-01 period was 1,749 sqft. One year prior, the average listing was 1,738 sqft.

Henderson, NC Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 291 $70,415,000 $241,976
Refi 73 $10,555,000 $144,589
Home Improvement 60 $3,360,000 $56,000
Cash Out Refi 59 $10,055,000 $170,424
Other 47 $3,895,000 $82,872

Henderson's most frequently cited loan purpose was Home Purchase, with 291 originations. The 2nd most popular reason was Refi, with 73 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 187 $38,085,000 $203,663
7-8% 122 $21,050,000 $172,541
5-6% 80 $15,840,000 $198,000
Over 8% 75 $17,295,000 $230,600
4-5% 47 $4,395,000 $93,511
<2.5% 9 $95,000 $10,556
3-4% 4 $770,000 $192,500

During 2023, Henderson's most frequently originated rate bucket was 6-7%, with 187 originations.

Loan Sizing (Henderson, NC MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 195 $28,315,000 $145,205
$200k-400k 161 $43,095,000 $267,671
$100,000 or less 153 $8,245,000 $53,889
$400k-600k 16 $7,960,000 $497,500
$600k-1000k 4 $2,590,000 $647,500
$Over $1MM 1 $8,075,000 $8,075,000

Henderson's loan sizing saw the bucket of loans from $100k-200k with 195 originations, totaling $28,315,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 213 $48,675,000 $228,521
60-80% 108 $21,140,000 $195,741
Under 20% 76 $3,200,000 $42,105
40-60% 64 $9,450,000 $147,656
20-40% 54 $4,920,000 $91,111
Over 100% 10 $10,150,000 $1,015,000

Henderson's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 213 originations, totaling $48,675,000 in origination value.