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 6.38% for the week of 2024-11-14, compared to the national average of 6.78% for the same period.

    The average rate for the prior week (2024-11-07) was 6.79% and one month ago for the week of 2024-10-10, the average rate was 6.22%.

    Henderson's average rate one year ago was 7.5%.

    For refis of the same type during the week of 2024-11-14, the average rate was 6.68%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-14 6.78%
    Henderson 30 Year Fixed Rate 2024-11-14 6.38%
    Henderson 30 Year Fixed Rate Refi 2024-11-14 6.68%
    Henderson 15 Year Fixed Rate 2024-11-14 5.89%
    Henderson 15 Year Fixed Rate Refi 2024-11-14 6.39%
    Henderson 30 Year FHA 2024-11-14 0.2%
    Henderson 30 Year FHA Refi 2024-11-14 -0.2%
    Henderson 30 Year USDA 2024-11-14 -0.1%
    Henderson 30 Year USDA Refi 2024-11-14 0%
    Henderson 30 Year VA 2024-11-14 -0.2%
    Henderson 30 Year VA Refi 2024-11-14 0.1%
    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
    2024-06-01 $325,000 (0.0%) $363,977 (-5.1%) 0.00 61
    2024-07-01 $299,925 (-4.8%) $356,921 (-7.7%) 0.00 63
    2024-08-01 $305,249 (1.8%) $337,696 (-5.7%) 0.00 80
    2024-09-01 $308,500 (3.0%) $341,212 (-3.1%) 0.00 87
    2024-10-01 $298,750 (1.3%) $334,465 (-3.4%) 0.00 85
    Henderson's median listing price for 2024-10-01 was $298,750, a difference of $3,750 (1.3%) versus the prior year and $-9,750 versus the prior month.

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

    Henderson's average listing price for 2024-10-01 was $334,465, a difference of $-11,708 (-3.4%) versus the prior year and $-6,747 versus the prior month.

    For the 2024-10-01 period, Henderson had 85 MLS listings, a difference of -2 listings (-2%) versus the prior month and 32 listings (60%) 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
    2024-06-01 0 days 1,800 sqft
    2024-07-01 0 days 1,736 sqft
    2024-08-01 0 days 1,760 sqft
    2024-09-01 0 days 1,807 sqft
    2024-10-01 0 days 1,796 sqft
    Henderson's median listing age (time on market) for 2024-10-01 was 0 days.

    Henderson's median square footage for active listings during the 2024-10-01 period was 1,796 sqft. One year prior, the average listing was 1,717 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.