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 7.18% for the week of 2025-05-22, compared to the national average of 6.86% for the same period.

    The average rate for the prior week (2025-05-15) was 6.93% and one month ago for the week of 2025-04-17, the average rate was 6.95%.

    Henderson's average rate one year ago was 7.44%.

    For refis of the same type during the week of 2025-05-22, the average rate was 7.26%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-05-22 6.86%
    Henderson 30 Year Fixed Rate 2025-05-22 7.18%
    Henderson 30 Year Fixed Rate Refi 2025-05-22 7.26%
    Henderson 15 Year Fixed Rate 2025-05-22 6.11%
    Henderson 15 Year Fixed Rate Refi 2025-05-22 6.31%
    Henderson 30 Year FHA 2025-05-22 6.86%
    Henderson 30 Year FHA Refi 2025-05-22 6.51%
    Henderson 30 Year USDA 2025-05-22 6.43%
    Henderson 30 Year USDA Refi 2025-05-22 6.43%
    Henderson 30 Year VA 2025-05-22 6.52%
    Henderson 30 Year VA Refi 2025-05-22 6.32%
    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    STATE EMPLOYEES' 38 6.31% $4,156
    QUICKEN LOANS, LLC 12 6.63% $6,962
    CROSSCOUNTRY MORTGAGE, LLC 8 6.70% $6,030
    NAVY FEDERAL CREDIT UNION 7 6.82% $3,166
    Benchmark Community Bank 6 6.98% $2,644
    COASTAL Federal Credit Union 6 6.77% $3,744
    First National Bank of America 5 9.37% $9,149
    UNITED WHOLESALE MORTGAGE, LLC 5 6.97% $8,507
    CORNERSTONE HOME LENDING, INC. 3 6.29% $4,298
    Truist 3 7.00% $4,058
    GUARANTEED RATE, INC. 2 6.70% $4,134
    DELMAR FINANCIAL COMPANY 2 6.25% $4,512
    First-Citizens Bank & Trust Company 2 6.93% $4,642
    UNION HOME MORTGAGE CORP. 2 6.75% $8,095
    AMERICAN FINANCIAL RESOURCES, INC. 2 6.31% $6,316
    HOMESPIRE MORTGAGE CORPORATION 1 7.13% $4,582
    HOWARD HANNA FINANCIAL SERVICES, INC. 1 7.50% $4,148
    INTERCOASTAL MORTGAGE COMPANY 1 6.88% $6,254
    JPMorgan Chase Bank 1 6.63% $3,502
    LATINO COMMUNITY CREDIT UNION 1 8.50% $2,530
    LOANPAL, LLC 1 7.50% $8,746
    LOCAL GOVERNMENT FEDERAL CREDIT UNION 1 8.20% $4,471
    MOVEMENT MORTGAGE, LLC 1 6.75% $5,592
    Mr. Cooper ( Nationstar Mortgage ) 1 8.13% $545
    Northpointe Bank 1 6.88% $6,787
    Piedmont Federal Savings Bank 1 6.88% $1,916
    Pinnacle Bank 1 6.63% $5,678
    PLAZA HOME MORTGAGE, INC. 1 6.38% $4,304
    PNC Bank 1 6.75% $4,527
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.13% $4,601
    The Federal Savings Bank 1 8.13% $7,432
    TIDEWATER MORTGAGE SERVICES, INC. 1 7.38% $4,538
    Towne Mortgage of the Carolinas, LLC 1 6.50% $11,806
    UIF CORPORATION 1 7.50% $4,138
    UNIVERSITY Federal Credit Union 1 6.75% $4,456
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 8.25% $7,673
    A&D Mortgage LLC 1 8.63% $8,818
    ZILLOW HOME LOANS, LLC 1 7.63% $11,193
    AgCarolina Farm Credit, FLCA 1 8.07% $5,039
    AmRes Corporation 1 7.63% $4,403
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.63% $10,480
    Bank of England 1 6.88% $4,970
    Carrington Mortgage Services, LLC 1 6.13% $4,795
    Charles Schwab Bank, SSB 1 6.25% $3,503
    Citadel Servicing Corporation 1 8.63% $9,214
    DIRECT MORTGAGE LOANS, LLC 1 6.13% $8,740
    EQUITY RESOURCES, INC. 1 7.38% $4,222
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.75% $4,840
    Fifth Third Bank 1 6.13% $3,702
    First Federal Bank 1 5.75% $4,629
    First Heritage Mortgage, LLC 1 6.63% $3,502
    FIRST SAVINGS MORTGAGE CORPORATION 1 6.99% $7,142

    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 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 (18.1%) $204,679 (19.7%) 0.00 71
    2018-03-01 $149,900 (0.0%) $196,209 (4.5%) 0.00 79
    2018-04-01 $170,425 (13.6%) $196,762 (3.0%) 0.00 79
    2018-05-01 $163,990 (4.0%) $189,564 (0.3%) 0.00 79
    2018-06-01 $168,950 (5.2%) $196,959 (-0.1%) 0.00 76
    2018-07-01 $169,400 (-0.4%) $237,656 (16.4%) 0.00 71
    2018-08-01 $164,445 (0.8%) $234,810 (20.0%) 0.00 66
    2018-09-01 $159,950 (-3.3%) $243,779 (24.1%) 0.00 72
    2018-10-01 $183,175 (8.1%) $255,563 (28.8%) 0.00 70
    2018-11-01 $160,495 (-8.8%) $236,579 (16.7%) 0.00 79
    2018-12-01 $136,445 (-25.8%) $200,031 (-3.8%) 0.00 87
    2019-01-01 $129,848 (-28.1%) $168,225 (-17.6%) 0.00 80
    2019-02-01 $129,000 (-25.9%) $170,727 (-16.6%) 0.00 79
    2019-03-01 $137,764 (-8.1%) $180,021 (-8.3%) 0.00 72
    2019-04-01 $149,225 (-12.4%) $186,494 (-5.2%) 0.00 77
    2019-05-01 $149,475 (-8.9%) $191,693 (1.1%) 0.00 72
    2019-06-01 $192,450 (13.9%) $216,953 (10.2%) 0.00 57
    2019-07-01 $198,450 (17.2%) $217,380 (-8.5%) 0.00 56
    2019-08-01 $189,536 (15.3%) $210,349 (-10.4%) 0.00 57
    2019-09-01 $173,991 (8.8%) $201,169 (-17.5%) 0.00 60
    2019-10-01 $153,400 (-16.3%) $190,235 (-25.6%) 0.00 63
    2019-11-01 $159,000 (-0.9%) $185,432 (-21.6%) 0.00 70
    2019-12-01 $150,448 (10.3%) $177,770 (-11.1%) 0.00 64
    2020-01-01 $179,000 (37.9%) $214,664 (27.6%) 0.00 46
    2020-02-01 $172,450 (33.7%) $193,388 (13.3%) 0.00 49
    2020-03-01 $153,750 (11.6%) $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 $173,100 (-10.1%) $204,438 (-5.8%) 0.00 41
    2020-07-01 $199,745 (0.7%) $220,578 (1.5%) 0.00 40
    2020-08-01 $239,000 (26.1%) $271,041 (28.9%) 0.00 34
    2020-09-01 $254,675 (46.4%) $293,488 (45.9%) 0.00 37
    2020-10-01 $161,500 (5.3%) $276,897 (45.6%) 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 (22.6%) $292,077 (42.9%) 0.00 25
    2021-07-01 $175,000 (-12.4%) $289,244 (31.1%) 0.00 32
    2021-08-01 $163,750 (-31.5%) $263,661 (-2.7%) 0.00 50
    2021-09-01 $165,000 (-35.2%) $284,843 (-3.0%) 0.00 49
    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 (72.3%) $331,591 (25.8%) 0.00 56
    2022-09-01 $277,000 (67.9%) $320,670 (12.6%) 0.00 54
    2022-10-01 $270,000 (45.0%) $321,121 (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 $281,225 (65.5%) $313,390 (14.1%) 0.00 49
    2023-02-01 $268,750 (69.6%) $297,839 (23.0%) 0.00 53
    2023-03-01 $309,225 (15.2%) $341,478 (6.8%) 0.00 53
    2023-04-01 $325,000 (12.1%) $368,202 (4.6%) 0.00 41
    2023-05-01 $325,000 (20.4%) $370,978 (13.0%) 0.00 41
    2023-06-01 $325,000 (17.8%) $383,532 (18.0%) 0.00 44
    2023-07-01 $315,000 (11.6%) $386,682 (17.9%) 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 (7.8%) 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 (0.4%) $328,231 (4.7%) 0.00 54
    2024-02-01 $284,500 (5.9%) $324,633 (9.0%) 0.00 56
    2024-03-01 $304,900 (-1.4%) $337,181 (-1.3%) 0.00 50
    2024-04-01 $309,312 (-4.8%) $349,048 (-5.2%) 0.00 57
    2024-05-01 $310,500 (-4.5%) $356,042 (-4.0%) 0.00 55
    2024-06-01 $325,000 (0.0%) $370,640 (-3.4%) 0.00 61
    2024-07-01 $299,925 (-4.8%) $356,320 (-7.9%) 0.00 63
    2024-08-01 $304,499 (1.6%) $337,696 (-5.7%) 0.00 80
    2024-09-01 $308,500 (3.0%) $341,212 (-3.1%) 0.00 87
    2024-10-01 $300,000 (1.7%) $334,592 (-3.4%) 0.00 86
    2024-11-01 $284,950 (-1.4%) $322,595 (-0.2%) 0.00 89
    2024-12-01 $284,950 (-4.8%) $328,712 (-5.9%) 0.00 77
    2025-01-01 $275,725 (-2.3%) $312,817 (-4.7%) 0.00 66
    2025-02-01 $267,975 (-5.8%) $318,186 (-2.0%) 0.00 58
    2025-03-01 $249,000 (-18.3%) $312,953 (-7.2%) 0.00 78
    2025-04-01 $251,151 (-18.8%) $317,986 (-8.9%) 0.00 78
    Henderson's median listing price for 2025-04-01 was $251,151, a difference of $-58,161 (-18.8%) versus the prior year and $2,151 versus the prior month.

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

    Henderson's average listing price for 2025-04-01 was $317,986, a difference of $-31,062 (-8.9%) versus the prior year and $5,033 versus the prior month.

    For the 2025-04-01 period, Henderson had 78 MLS listings, a difference of 0 listings (0%) versus the prior month and 21 listings (37%) 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 1,803 sqft
    2018-04-01 0 days 1,733 sqft
    2018-05-01 0 days 1,760 sqft
    2018-06-01 0 days 1,801 sqft
    2018-07-01 0 days 1,843 sqft
    2018-08-01 0 days 1,805 sqft
    2018-09-01 0 days 1,810 sqft
    2018-10-01 0 days 1,819 sqft
    2018-11-01 0 days 1,759 sqft
    2018-12-01 0 days 1,534 sqft
    2019-01-01 0 days 1,436 sqft
    2019-02-01 0 days 1,526 sqft
    2019-03-01 0 days 1,568 sqft
    2019-04-01 0 days 1,620 sqft
    2019-05-01 0 days 1,653 sqft
    2019-06-01 0 days 1,787 sqft
    2019-07-01 0 days 1,831 sqft
    2019-08-01 0 days 1,788 sqft
    2019-09-01 0 days 1,739 sqft
    2019-10-01 0 days 1,662 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 1,808 sqft
    2020-07-01 0 days 1,853 sqft
    2020-08-01 0 days 1,844 sqft
    2020-09-01 0 days 1,711 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 1,578 sqft
    2021-09-01 0 days 1,507 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 1,724 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 1,643 sqft
    2023-02-01 0 days 1,665 sqft
    2023-03-01 0 days 1,730 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 1,739 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 1,738 sqft
    2024-06-01 0 days 1,800 sqft
    2024-07-01 0 days 1,736 sqft
    2024-08-01 0 days 1,749 sqft
    2024-09-01 0 days 1,807 sqft
    2024-10-01 0 days 1,800 sqft
    2024-11-01 0 days 1,776 sqft
    2024-12-01 0 days 1,801 sqft
    2025-01-01 0 days 1,773 sqft
    2025-02-01 0 days 1,787 sqft
    2025-03-01 0 days 1,733 sqft
    2025-04-01 0 days 1,738 sqft
    Henderson's median listing age (time on market) for 2025-04-01 was 0 days.

    Henderson's median square footage for active listings during the 2025-04-01 period was 1,738 sqft. One year prior, the average listing was 1,693 sqft.

    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.