SHERMAN - DENISON Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Sherman - Denison averaged
7.12%
for the week of 2023-12-07, compared to the national average of
7.03% for the same period.
The average rate for the prior week (2023-11-30) was
7.21% and
one month ago for the week of 2023-11-02, the
average rate was 7.85%.
Sherman - Denison's average rate one year ago was 6.18%.
For refis of the same type during the week of 2023-12-07, the average rate
was 6.92%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-12-07 | 7.03% |
| Sherman - Denison 30 Year Fixed Rate | 2023-12-07 | 7.12% |
| Sherman - Denison 30 Year Fixed Rate Refi | 2023-12-07 | 6.92% |
| Sherman - Denison 15 Year Fixed Rate | 2023-12-07 | 6.51% |
| Sherman - Denison 15 Year Fixed Rate Refi | 2023-12-07 | 6.19% |
| Sherman - Denison 30 Year FHA | 2023-12-07 | 6.75% |
| Sherman - Denison 30 Year FHA Refi | 2023-12-07 | 7.02% |
| Sherman - Denison 30 Year USDA | 2023-12-07 | 6.82% |
| Sherman - Denison 30 Year USDA Refi | 2023-12-07 | 6.72% |
| Sherman - Denison 30 Year VA | 2023-12-07 | 6.41% |
| Sherman - Denison 30 Year VA Refi | 2023-12-07 | 6.74% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SHERMAN-DENISON, TX.
SHERMAN - DENISON 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 SHERMAN-DENISON, TX 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.).
SHERMAN - DENISON Average Closing Costs & Other Stats
SHERMAN-DENISON, TX's 257 lenders originated 4,450
loans during 2022. The total origination value was $1,334,830,000, with an average loan value of
$299,962.
SHERMAN - DENISON's average closing costs are $6,124.
The top SHERMAN - DENISON lender as defined by loan originations is QUICKEN LOANS, LLC, with
152 loans originated. Their average total fees are
$6,880, which is $1,102
higher than the next largest lender,
First United Bank and Trust Company.
The lowest fee SHERMAN - DENISON lenders (with over 10 loans originated) are
PULTE MORTGAGE LLC ($1,479), EVERETT FINANCIAL, INC. ($3,486), PRIORITY HOME MORTGAGE, L.P. ($3,958), FIRST CENTENNIAL MORTGAGE CORPORATION ($4,624) and JPMorgan Chase Bank ($5,111).
The lowest rate SHERMAN - DENISON lenders (with over 10 loans originated) are
BETTER MORTGAGE CORPORATION (3.81%), RANDOLPH-BROOKS (4.30%), HOME POINT FINANCIAL CORPORATION (4.33%), CALIBER HOME LOANS, INC. (4.51%) and AMERISAVE MORTGAGE CORPORATION (4.58%).
SHERMAN-DENISON, TX 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 |
|---|---|---|---|---|
| First United Bank and Trust Company | $137,775,000 | $138,170,000 | 0.3% | 10.4% |
| QUICKEN LOANS, LLC | $77,045,000 | $55,950,000 | -27.4% | 4.2% |
| GUILD MORTGAGE COMPANY | $82,605,000 | $48,590,000 | -41.2% | 3.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $22,845,000 | $38,780,000 | 69.8% | 2.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $37,630,000 | $32,250,000 | -14.3% | 2.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $19,690,000 | $31,040,000 | 57.6% | 2.3% |
| First State Bank | $37,470,000 | $30,370,000 | -18.9% | 2.3% |
| Independent Bank | $31,205,000 | $26,480,000 | -15.1% | 2.0% |
| GREYSTONE SERVICING COMPANY LLC | $25,290,000 | n/a | 1.9% | |
| PULTE MORTGAGE LLC | $2,245,000 | $24,900,000 | 1,009.1% | 1.9% |
| CALIBER HOME LOANS, INC. | $35,510,000 | $21,360,000 | -39.8% | 1.6% |
| EVERETT FINANCIAL, INC. | $5,930,000 | $20,700,000 | 249.1% | 1.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $15,880,000 | $20,005,000 | 26.0% | 1.5% |
| Town Square Mortgage & Investments, Inc. | $21,355,000 | $18,890,000 | -11.5% | 1.4% |
| BancorpSouth Bank | $22,600,000 | $18,420,000 | -18.5% | 1.4% |
| Mortgage Research Center, LLC | $13,295,000 | $17,905,000 | 34.7% | 1.3% |
| CERTAINTY HOME LOANS, LLC | $23,175,000 | $15,985,000 | -31.0% | 1.2% |
| DHI MORTGAGE COMPANY, LTD. | $15,360,000 | n/a | 1.2% | |
| Arbor Realty Trust, Inc. | $1,965,000 | $14,620,000 | 644.0% | 1.1% |
| Centennial Bank | $14,615,000 | n/a | 1.1% | |
| ENCORE BANK | $14,255,000 | n/a | 1.1% | |
| JPMorgan Chase Bank | $18,110,000 | $13,805,000 | -23.8% | 1.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $9,110,000 | $13,460,000 | 47.7% | 1.0% |
| GUARANTEED RATE, INC. | $8,005,000 | $12,570,000 | 57.0% | 0.9% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $18,715,000 | $12,340,000 | -34.1% | 0.9% |
| HIGHLAND HOMELOANS, LLC | $6,600,000 | $12,260,000 | 85.8% | 0.9% |
| Prosperity Home Mortgage, LLC | $9,725,000 | $12,200,000 | 25.4% | 0.9% |
| SFMC, LP | $10,660,000 | $12,065,000 | 13.2% | 0.9% |
| First National Bank | $3,500,000 | $11,315,000 | 223.3% | 0.8% |
| LOANDEPOT.COM, LLC | $22,600,000 | $10,730,000 | -52.5% | 0.8% |
| Wells Fargo Bank | $20,365,000 | $10,605,000 | -47.9% | 0.8% |
| CRESTMARK MORTGAGE COMPANY, LTD. | $2,995,000 | $10,285,000 | 243.4% | 0.8% |
| Prosperity Bank | $7,300,000 | $9,980,000 | 36.7% | 0.7% |
| HOME POINT FINANCIAL CORPORATION | $14,730,000 | $9,560,000 | -35.1% | 0.7% |
| Paramount Residential Mortgage Group, Inc. | $4,355,000 | $9,550,000 | 119.3% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $13,920,000 | $9,345,000 | -32.9% | 0.7% |
| THRIVE MORTGAGE, LLC | $8,280,000 | $9,250,000 | 11.7% | 0.7% |
| AMCAP MORTGAGE, LTD. | $7,795,000 | $9,100,000 | 16.7% | 0.7% |
| First Bank | $10,195,000 | $8,985,000 | -11.9% | 0.7% |
| ANGEL OAK HOME LOANS LLC | $9,520,000 | $8,920,000 | -6.3% | 0.7% |
| RANDOLPH-BROOKS | $6,785,000 | $8,760,000 | 29.1% | 0.7% |
| VERIDIAN CREDIT UNION | $8,515,000 | n/a | 0.6% | |
| ASPIRE FINANCIAL, INC. | $10,410,000 | $8,120,000 | -22.0% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $15,405,000 | $8,060,000 | -47.7% | 0.6% |
| Simmons Bank | $8,950,000 | $7,835,000 | -12.5% | 0.6% |
| CIVIC FINANCIAL SERVICES, LLC | $4,405,000 | $7,420,000 | 68.4% | 0.6% |
| The First National Bank of Tom Bean | $5,480,000 | $7,405,000 | 35.1% | 0.6% |
| FREEDOM MORTGAGE CORPORATION | $25,050,000 | $7,130,000 | -71.5% | 0.5% |
| BERKELEY POINT CAPITAL LLC | $7,025,000 | n/a | 0.5% | |
| NexBank | $6,540,000 | $6,955,000 | 6.3% | 0.5% |
| 21ST MORTGAGE CORPORATION | $4,885,000 | $6,950,000 | 42.3% | 0.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $6,250,000 | $6,695,000 | 7.1% | 0.5% |
| WILLOW BEND MORTGAGE COMPANY, LLC | $9,675,000 | $6,085,000 | -37.1% | 0.5% |
| BROOKHOLLOW MORTGAGE SERVICES, LTD | $1,255,000 | $5,805,000 | 362.5% | 0.4% |
| AMERISAVE MORTGAGE CORPORATION | $12,240,000 | $5,735,000 | -53.1% | 0.4% |
| PRIORITY HOME MORTGAGE, L.P. | $3,395,000 | $5,730,000 | 68.8% | 0.4% |
| Flagstar Bank, FSB | $4,755,000 | $5,355,000 | 12.6% | 0.4% |
| Legend Bank, N.A. | $6,485,000 | $5,120,000 | -21.0% | 0.4% |
| Farmers Bank & Trust Company | $1,750,000 | $5,065,000 | 189.4% | 0.4% |
| PENTAGON FEDERAL CREDIT UNION | $3,240,000 | $4,915,000 | 51.7% | 0.4% |
| Gateway First Bank | $11,635,000 | $4,900,000 | -57.9% | 0.4% |
| Bank of America | $4,530,000 | $4,850,000 | 7.1% | 0.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $8,895,000 | $4,740,000 | -46.7% | 0.4% |
| MOVEMENT MORTGAGE, LLC | $6,980,000 | $4,730,000 | -32.2% | 0.4% |
| BETTER MORTGAGE CORPORATION | $6,225,000 | $4,685,000 | -24.7% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $5,165,000 | $4,665,000 | -9.7% | 0.3% |
| Citizens Bank | $6,715,000 | $4,625,000 | -31.1% | 0.3% |
| USAA Federal Savings Bank | $4,070,000 | $4,405,000 | 8.2% | 0.3% |
| U.S. Bank | $3,875,000 | $4,285,000 | 10.6% | 0.3% |
| CMG MORTGAGE, INC. | $4,275,000 | $4,180,000 | -2.2% | 0.3% |
| NFM, INC. | $4,090,000 | n/a | 0.3% | |
| Ameristate Bank | $1,945,000 | $4,035,000 | 107.5% | 0.3% |
| Frost Bank | $1,010,000 | $3,580,000 | 254.5% | 0.3% |
| First Texoma National Bank | $2,970,000 | $3,495,000 | 17.7% | 0.3% |
| Nascoga Federal Credit Union | $2,510,000 | $3,445,000 | 37.3% | 0.3% |
| FINANCE OF AMERICA MORTGAGE LLC | $465,000 | $3,250,000 | 598.9% | 0.2% |
| BROKER SOLUTIONS, INC. | $3,135,000 | $3,175,000 | 1.3% | 0.2% |
| Truist | $2,365,000 | $3,140,000 | 32.8% | 0.2% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | $5,270,000 | $3,080,000 | -41.6% | 0.2% |
| AmeriHome Mortgage Company, LLC | $2,655,000 | $3,070,000 | 15.6% | 0.2% |
| SUMMIT FUNDING, INC. | $2,050,000 | $3,025,000 | 47.6% | 0.2% |
| The American National Bank of Texas | $4,895,000 | $2,990,000 | -38.9% | 0.2% |
| SWBC MORTGAGE CORPORATION | $2,840,000 | $2,965,000 | 4.4% | 0.2% |
| Texas Bank | $2,895,000 | $2,930,000 | 1.2% | 0.2% |
| CHERRY CREEK MORTGAGE, LLC | $725,000 | $2,925,000 | 303.4% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $8,015,000 | $2,845,000 | -64.5% | 0.2% |
| MID AMERICA MORTGAGE, INC. | $16,420,000 | $2,840,000 | -82.7% | 0.2% |
| Texas Bank and Trust Company | $660,000 | $2,820,000 | 327.3% | 0.2% |
| UNION HOME MORTGAGE CORP. | $3,120,000 | $2,800,000 | -10.3% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $1,310,000 | $2,755,000 | 110.3% | 0.2% |
| Colonial Savings, F.A. | $3,970,000 | $2,750,000 | -30.7% | 0.2% |
| BOKF | $4,515,000 | $2,570,000 | -43.1% | 0.2% |
| Republic State Mortgage Co. | $2,010,000 | $2,520,000 | 25.4% | 0.2% |
| First Financial Bank | $2,225,000 | $2,515,000 | 13.0% | 0.2% |
| Magnolia Bank | $810,000 | $2,515,000 | 210.5% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $1,630,000 | $2,495,000 | 53.1% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $1,690,000 | $2,480,000 | 46.7% | 0.2% |
| Bank of England | $3,705,000 | $2,430,000 | -34.4% | 0.2% |
| Sunflower Bank | $1,665,000 | $2,395,000 | 43.8% | 0.2% |
| b1BANK | $2,300,000 | n/a | 0.2% | |
| First State Bank | $37,470,000 | $2,265,000 | -94.0% | 0.2% |
| Third Coast Bank SSB | $2,260,000 | n/a | 0.2% | |
| Credit Union of Texas | $760,000 | $2,245,000 | 195.4% | 0.2% |
| GREAT WESTERN FINANCIAL SERVICES, INC. | $2,805,000 | $2,245,000 | -20.0% | 0.2% |
| Carrington Mortgage Services, LLC | $1,770,000 | $2,240,000 | 26.6% | 0.2% |
| DAS Acquisition Company, LLC | $2,030,000 | $2,195,000 | 8.1% | 0.2% |
| Lamar National Bank | $4,990,000 | $2,105,000 | -57.8% | 0.2% |
| Southside Bank | $2,045,000 | n/a | 0.2% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,855,000 | $2,040,000 | -28.5% | 0.2% |
| ACADEMY MORTGAGE CORPORATION | $6,420,000 | $2,025,000 | -68.5% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,355,000 | $2,020,000 | 49.1% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $3,095,000 | $2,015,000 | -34.9% | 0.2% |
| SOUTHWEST STAGE FUNDING, LLC | $3,340,000 | $2,015,000 | -39.7% | 0.2% |
| MORTGAGE FINANCIAL SERVICES, LLC | $4,335,000 | $2,010,000 | -53.6% | 0.2% |
| S1L, Inc. | $5,840,000 | $2,005,000 | -65.7% | 0.2% |
| MATTAMY HOME FUNDING, LLC | $1,980,000 | n/a | 0.1% | |
| PNC Bank | $1,275,000 | $1,940,000 | 52.2% | 0.1% |
| Farm Credit Mid-America, ACA | $3,810,000 | $1,895,000 | -50.3% | 0.1% |
| City Bank | $5,025,000 | $1,860,000 | -63.0% | 0.1% |
| Community National Bank & Trust of Texas | $495,000 | $1,835,000 | 270.7% | 0.1% |
| The Home Loan Expert LLC | $75,000 | $1,830,000 | 2,340.0% | 0.1% |
| Strong Home Mortgage, LLC | $1,325,000 | $1,825,000 | 37.7% | 0.1% |
| FBC MORTGAGE, LLC | $5,100,000 | $1,805,000 | -64.6% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,955,000 | $1,790,000 | -8.4% | 0.1% |
| Zions Bancorporation, N.A. | $2,065,000 | $1,765,000 | -14.5% | 0.1% |
| DATCU | $2,680,000 | $1,690,000 | -36.9% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,475,000 | $1,685,000 | 14.2% | 0.1% |
| NEWREZ LLC | $10,675,000 | $1,680,000 | -84.3% | 0.1% |
| FIRST CENTENNIAL MORTGAGE CORPORATION | $255,000 | $1,675,000 | 556.9% | 0.1% |
| The First National Bank of Granbury | $1,675,000 | n/a | 0.1% | |
| Loan Simple, Inc. | $2,350,000 | $1,655,000 | -29.6% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $425,000 | $1,620,000 | 281.2% | 0.1% |
| LENDSURE MORTGAGE CORP. | $1,560,000 | n/a | 0.1% | |
| MEMBER FIRST MORTGAGE, LLC | $1,540,000 | n/a | 0.1% | |
| Wyndham Capital Mortgage, Inc. | $1,890,000 | $1,540,000 | -18.5% | 0.1% |
| First Horizon Bank | $720,000 | $1,535,000 | 113.2% | 0.1% |
| DRAPER AND KRAMER MORTGAGE CORP. | $395,000 | $1,505,000 | 281.0% | 0.1% |
| TEXANS | $3,410,000 | $1,495,000 | -56.2% | 0.1% |
| VAN DYK MORTGAGE CORPORATION | $1,045,000 | $1,495,000 | 43.1% | 0.1% |
| Veritex Community Bank | $1,035,000 | $1,495,000 | 44.4% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $2,355,000 | $1,485,000 | -36.9% | 0.1% |
| T2 FINANCIAL LLC | $540,000 | $1,465,000 | 171.3% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $1,500,000 | $1,460,000 | -2.7% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $935,000 | $1,445,000 | 54.5% | 0.1% |
| NBKC BANK | $665,000 | $1,440,000 | 116.5% | 0.1% |
| Texas Mortgage Lending, LLC | $2,395,000 | $1,410,000 | -41.1% | 0.1% |
| Waterstone Mortgage Corporation | $1,410,000 | n/a | 0.1% | |
| LOANPAL, LLC | $1,945,000 | $1,400,000 | -28.0% | 0.1% |
| AMPLIFY | $370,000 | $1,395,000 | 277.0% | 0.1% |
| Encompass Lending Group, LP | $295,000 | $1,390,000 | 371.2% | 0.1% |
| INTERLINC MORTGAGE SERVICES, LLC | $2,325,000 | $1,370,000 | -41.1% | 0.1% |
| Commerce Home Mortgage, Inc. | $215,000 | $1,365,000 | 534.9% | 0.1% |
| BAY EQUITY LLC | $720,000 | $1,310,000 | 81.9% | 0.1% |
| NTFN, INC. | $19,200,000 | $1,305,000 | -93.2% | 0.1% |
| SOUTHWEST FUNDING, LP | $3,530,000 | $1,300,000 | -63.2% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $875,000 | $1,290,000 | 47.4% | 0.1% |
| ONY GLO, INC. | $1,285,000 | n/a | 0.1% | |
| UNITED BUILT HOMES, L.L.C. | $1,900,000 | $1,280,000 | -32.6% | 0.1% |
| THE MORTGAGE LINK, INC. | $1,275,000 | n/a | 0.1% | |
| Texas Republic Bank | $115,000 | $1,260,000 | 995.7% | 0.1% |
| Alliance Bank | $2,910,000 | $1,245,000 | -57.2% | 0.1% |
| Regions Bank | $3,945,000 | $1,190,000 | -69.8% | 0.1% |
| Neighborhood Loans, Inc. | $1,185,000 | n/a | 0.1% | |
| AMERICAN ADVISORS GROUP | $1,380,000 | $1,155,000 | -16.3% | 0.1% |
| PHH Mortgage Corporation | $500,000 | $1,140,000 | 128.0% | 0.1% |
| Discover Bank | $700,000 | $1,125,000 | 60.7% | 0.1% |
| GENEVA FINANCIAL, LLC | $1,715,000 | $1,080,000 | -37.0% | 0.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,600,000 | $1,080,000 | -32.5% | 0.1% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $1,065,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $3,110,000 | $1,060,000 | -65.9% | 0.1% |
| American National Bank & Trust | $1,045,000 | n/a | 0.1% | |
| CITY | $855,000 | $1,035,000 | 21.1% | 0.1% |
| THE MORTGAGE FIRM, INC. | $1,025,000 | n/a | 0.1% | |
| Broadway National Bank | $1,000,000 | n/a | 0.1% | |
| Citibank | $995,000 | n/a | 0.1% | |
| North American Savings Bank, F.S.B. | $165,000 | $995,000 | 503.0% | 0.1% |
| Incommons Bank, N.A. | $985,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $1,470,000 | $975,000 | -33.7% | 0.1% |
| Commercial Bank of Texas | $490,000 | $970,000 | 98.0% | 0.1% |
| CORNERSTONE HOME LENDING, INC. | $880,000 | $960,000 | 9.1% | 0.1% |
| Great Plains National Bank | $300,000 | $960,000 | 220.0% | 0.1% |
| LOANPEOPLE, LLC | $930,000 | n/a | 0.1% | |
| RF Renovo Management Company, LLC | $1,290,000 | $930,000 | -27.9% | 0.1% |
| LENDINGONE, LLC | $575,000 | $900,000 | 56.5% | 0.1% |
| Ixonia Bank | $890,000 | n/a | 0.1% | |
| NATIONS RELIABLE LENDING, LLC | $1,765,000 | $890,000 | -49.6% | 0.1% |
| Network Funding, L.P. | $1,780,000 | $890,000 | -50.0% | 0.1% |
| Texas Security Bank | $1,235,000 | $870,000 | -29.6% | 0.1% |
| First Savings Bank | $1,040,000 | $860,000 | -17.3% | 0.1% |
| Midwest Mortgage Associates Corporation | $870,000 | $860,000 | -1.1% | 0.1% |
| The City National Bank of Sulphur Springs | $860,000 | n/a | 0.1% | |
| UNITED MORTGAGE CORP. | $1,450,000 | $850,000 | -41.4% | 0.1% |
| Origin Bank | $2,595,000 | $840,000 | -67.6% | 0.1% |
| HomeBank Texas | $830,000 | n/a | 0.1% | |
| MICHIGAN MUTUAL, INC. | $830,000 | n/a | 0.1% | |
| CALCON MUTUAL MORTGAGE LLC | $825,000 | n/a | 0.1% | |
| REVERSE MORTGAGE FUNDING LLC | $170,000 | $825,000 | 385.3% | 0.1% |
| A+ Federal Credit Union | $805,000 | n/a | 0.1% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $805,000 | n/a | 0.1% | |
| NBH Bank | $545,000 | $805,000 | 47.7% | 0.1% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $1,610,000 | $800,000 | -50.3% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $785,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $225,000 | $740,000 | 228.9% | 0.1% |
| The Federal Savings Bank | $1,100,000 | $735,000 | -33.2% | 0.1% |
| BNC National Bank | $385,000 | $730,000 | 89.6% | 0.1% |
| ALLIANT CREDIT UNION | $725,000 | n/a | 0.1% | |
| CONSUMERS COOPERATIVE CREDIT UNION | $710,000 | n/a | 0.1% | |
| Toyota Financial Savings Bank | $1,135,000 | $685,000 | -39.6% | 0.1% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | $5,825,000 | $680,000 | -88.3% | 0.1% |
| Watermark Capital, Inc. | $1,635,000 | $680,000 | -58.4% | 0.1% |
| Greenbox Loans, Inc. | $675,000 | n/a | 0.1% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $425,000 | $675,000 | 58.8% | 0.1% |
| UNIVERSITY Federal Credit Union | $670,000 | n/a | 0.1% | |
| First Guaranty Mortgage Corporation | $2,360,000 | $660,000 | -72.0% | 0.0% |
| Chicago Mortgage Solutions LLC | $1,195,000 | $640,000 | -46.4% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $1,595,000 | $640,000 | -59.9% | 0.0% |
| Amerifirst Financial, Inc. | $1,335,000 | $630,000 | -52.8% | 0.0% |
| American Mortgage Bank, LLC | $625,000 | n/a | 0.0% | |
| Nations Lending Corporation | $1,035,000 | $620,000 | -40.1% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $215,000 | $610,000 | 183.7% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $2,070,000 | $610,000 | -70.5% | 0.0% |
| First Mortgage Solutions, LLC | $295,000 | $605,000 | 105.1% | 0.0% |
| North Dallas Bank & Trust Co. | $870,000 | $605,000 | -30.5% | 0.0% |
| TEXAS DOW EMPLOYEES CREDIT UNION | $125,000 | $595,000 | 376.0% | 0.0% |
| First Option Mortgage, LLC | $255,000 | $590,000 | 131.4% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $740,000 | $590,000 | -20.3% | 0.0% |
| ADVANCIAL | $585,000 | n/a | 0.0% | |
| Trinity Oaks Mortgage, LLC | $1,930,000 | $580,000 | -69.9% | 0.0% |
| SIRVA MORTGAGE, INC. | $920,000 | $575,000 | -37.5% | 0.0% |
| FirstBank | $690,000 | $560,000 | -18.8% | 0.0% |
| SPRING EQ, LLC | $105,000 | $560,000 | 433.3% | 0.0% |
| Access Community Credit Union | $555,000 | n/a | 0.0% | |
| BECKAM FUNDING CORP. | $540,000 | n/a | 0.0% | |
| Equity Prime Mortgage LLC | $540,000 | n/a | 0.0% | |
| Stride Bank | $535,000 | n/a | 0.0% | |
| ARC HOME LLC | $1,115,000 | $530,000 | -52.5% | 0.0% |
| Beeline Loans, Inc. | $265,000 | $525,000 | 98.1% | 0.0% |
| STEARNS LENDING, LLC | $1,680,000 | $525,000 | -68.8% | 0.0% |
| Kwik Mortgage Corporation | $515,000 | n/a | 0.0% | |
| Guaranty Bank & Trust, N.A. | $780,000 | $510,000 | -34.6% | 0.0% |
| EAST TEXAS PROFESSIONAL Credit Union | $505,000 | n/a | 0.0% | |
| FIRST EQUITY MORTGAGE INCORPORATED | $505,000 | n/a | 0.0% | |
| United Community Bank | $500,000 | n/a | 0.0% | |
| First Bank & Trust | $690,000 | $490,000 | -29.0% | 0.0% |
| Baxter Credit Union | $485,000 | n/a | 0.0% | |
| BTH Bank | $115,000 | $485,000 | 321.7% | 0.0% |
| KBHS HOME LOANS, LLC | $475,000 | n/a | 0.0% | |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | $475,000 | n/a | 0.0% | |
| MY MORTGAGE, INC. | $475,000 | n/a | 0.0% | |
| Washington Federal Bank | $1,095,000 | $475,000 | -56.6% | 0.0% |
| WESTCOAST MORTGAGE GROUP AND REALTY COMPANY | $475,000 | n/a | 0.0% | |
| GSB MORTGAGE, INC. | $115,000 | $470,000 | 308.7% | 0.0% |
| KeyBank | $465,000 | n/a | 0.0% | |
| FAY SERVICING, LLC | $455,000 | n/a | 0.0% | |
| First Guaranty Bank | $455,000 | n/a | 0.0% | |
| INFINITY MORTGAGE HOLDINGS, LLC | $2,190,000 | $450,000 | -79.5% | 0.0% |
| Northpointe Bank | $1,330,000 | $440,000 | -66.9% | 0.0% |
| OCMBC, INC. | $440,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $490,000 | $435,000 | -11.2% | 0.0% |
| Texas Regional Bank | $435,000 | n/a | 0.0% | |
| INTERCAP LENDING INC. | $430,000 | n/a | 0.0% | |
| TEXAS TECH | $370,000 | $430,000 | 16.2% | 0.0% |
| INFINITY EQUITY GROUP, INC. | $425,000 | n/a | 0.0% | |
| First Internet Bank of Indiana | $555,000 | $420,000 | -24.3% | 0.0% |
| PLANET HOME LENDING, LLC | $1,870,000 | $420,000 | -77.5% | 0.0% |
| DIGITAL Federal Credit Union | $415,000 | n/a | 0.0% | |
| Hometown Lenders, Inc. | $1,325,000 | $415,000 | -68.7% | 0.0% |
| Inwood National Bank | $2,130,000 | $415,000 | -80.5% | 0.0% |
| TIB The Independent Bankersbank | $415,000 | n/a | 0.0% | |
| Austin Capital Bank SSB | $410,000 | n/a | 0.0% | |
| Firstar Bank | $405,000 | n/a | 0.0% | |
| FUNDLOANS CAPITAL | $405,000 | n/a | 0.0% | |
| VILLAGE CAPITAL MORTGAGE | $1,965,000 | $405,000 | -79.4% | 0.0% |
| LIMA ONE CAPITAL, LLC | $125,000 | $400,000 | 220.0% | 0.0% |
| TEACHERS | $395,000 | n/a | 0.0% | |
| International Bank of Commerce | $415,000 | $385,000 | -7.2% | 0.0% |
| J. VIRGIL, INC. | $425,000 | $385,000 | -9.4% | 0.0% |
| American Airlines Federal Credit Union | $215,000 | $380,000 | 76.7% | 0.0% |
| Brighton Bank | $375,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $375,000 | n/a | 0.0% | |
| GUARANTY HOME MORTGAGE CORPORATION | $350,000 | $375,000 | 7.1% | 0.0% |
| Princeton Mortgage Corporation | $365,000 | n/a | 0.0% | |
| AgFirst Farm Credit Bank | $355,000 | n/a | 0.0% | |
| InterBank | $240,000 | $355,000 | 47.9% | 0.0% |
| MOBILITY Credit Union | $115,000 | $350,000 | 204.3% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $805,000 | $340,000 | -57.8% | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $335,000 | n/a | 0.0% | |
| TBK BANK, SSB | $335,000 | n/a | 0.0% | |
| RED DIAMOND HOME LOANS, LLC | $310,000 | $325,000 | 4.8% | 0.0% |
| Bank of Whittier | $315,000 | n/a | 0.0% | |
| GROUP MORTGAGE, LLC | $315,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $810,000 | $315,000 | -61.1% | 0.0% |
| Morgan Stanley Private Bank | $315,000 | n/a | 0.0% | |
| Valliance Bank | $455,000 | $315,000 | -30.8% | 0.0% |
| NEXUS SERIES B, LLC | $310,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $225,000 | $305,000 | 35.6% | 0.0% |
| Firefighters First Federal Credit Union | $305,000 | n/a | 0.0% | |
| FirstBank Southwest | $305,000 | n/a | 0.0% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $315,000 | $305,000 | -3.2% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $295,000 | n/a | 0.0% | |
| Comerica Bank | $295,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $330,000 | $295,000 | -10.6% | 0.0% |
| MEMBERS CHOICE Credit Union | $295,000 | n/a | 0.0% | |
| PANORAMA MORTGAGE GROUP, LLC | $295,000 | n/a | 0.0% | |
| First National Bank of America | $565,000 | $290,000 | -48.7% | 0.0% |
| AccessBank Texas | $965,000 | $285,000 | -70.5% | 0.0% |
| GREENSTATE CREDIT UNION | $285,000 | n/a | 0.0% | |
| PROPER RATE, LLC | $285,000 | n/a | 0.0% | |
| RCB Bank | $285,000 | n/a | 0.0% | |
| The Central Trust Bank | $225,000 | $285,000 | 26.7% | 0.0% |
| Trustmark National Bank | $285,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP. | $245,000 | $280,000 | 14.3% | 0.0% |
| EECU | $1,020,000 | $275,000 | -73.0% | 0.0% |
| First National Bank of Omaha | $215,000 | $275,000 | 27.9% | 0.0% |
| PILGRIM MORTGAGE LLC | $1,685,000 | $275,000 | -83.7% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $270,000 | n/a | 0.0% | |
| American Nation Bank | $265,000 | n/a | 0.0% | |
| IMPAC MORTGAGE CORP. | $265,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $265,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $265,000 | $265,000 | 0.0% | 0.0% |
| United Nations Federal Credit Union | $265,000 | n/a | 0.0% | |
| 212 LOANS, LLC. | $260,000 | n/a | 0.0% | |
| ALAMEDA MORTGAGE CORPORATION | $255,000 | n/a | 0.0% | |
| City National Bank | $255,000 | n/a | 0.0% | |
| First National Bank of East Texas | $255,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $225,000 | $255,000 | 13.3% | 0.0% |
| ASSOCIATED MORTGAGE CORPORATION | $245,000 | n/a | 0.0% | |
| KELLER MORTGAGE, LLC | $2,530,000 | $235,000 | -90.7% | 0.0% |
| United Texas Credit Union | $235,000 | n/a | 0.0% | |
| AAXY L.L.C. | $805,000 | $225,000 | -72.0% | 0.0% |
| ON Q FINANCIAL, INC. | $225,000 | n/a | 0.0% | |
| HONDA Federal Credit Union | $215,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $770,000 | $210,000 | -72.7% | 0.0% |
| TOWNE MORTGAGE COMPANY | $205,000 | n/a | 0.0% | |
| TRUWEST Credit Union | $205,000 | n/a | 0.0% | |
| CERTIFIED FUNDING, L.P. | $630,000 | $200,000 | -68.3% | 0.0% |
| INTOUCH CREDIT UNION | $1,615,000 | $200,000 | -87.6% | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | $845,000 | $195,000 | -76.9% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $195,000 | n/a | 0.0% | |
| NATIONS DIRECT MORTGAGE, LLC | $660,000 | $195,000 | -70.5% | 0.0% |
| Deere Employees Credit Union | $705,000 | $190,000 | -73.0% | 0.0% |
| Goldwater Bank, N.A. | $710,000 | $185,000 | -73.9% | 0.0% |
| Plains Commerce Bank | $185,000 | n/a | 0.0% | |
| American Bank of Commerce | $175,000 | n/a | 0.0% | |
| CARTER FEDERAL CREDIT UNION | $175,000 | n/a | 0.0% | |
| CASTLE & COOKE MORTGAGE, LLC | $175,000 | n/a | 0.0% | |
| DIRECTIONS EQUITY, LLC | $175,000 | n/a | 0.0% | |
| Golden Empire Mortgage, Inc. | $195,000 | $175,000 | -10.3% | 0.0% |
| PREMIA MORTGAGE, LLC | $145,000 | $175,000 | 20.7% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $165,000 | n/a | 0.0% | |
| MidFirst Bank | $175,000 | $165,000 | -5.7% | 0.0% |
| AMERICA'S CHOICE HOME LOANS LP | $155,000 | n/a | 0.0% | |
| BancFirst | $340,000 | $155,000 | -54.4% | 0.0% |
| TEXAS TRUST | $495,000 | $155,000 | -68.7% | 0.0% |
| UBS Bank USA | $1,675,000 | $155,000 | -90.7% | 0.0% |
| Texas First Bank | $65,000 | $150,000 | 130.8% | 0.0% |
| ENVOY MORTGAGE, LTD | $145,000 | n/a | 0.0% | |
| IAA Credit Union | $145,000 | n/a | 0.0% | |
| RB MORTGAGE LLC | $145,000 | n/a | 0.0% | |
| FIRST STATE MORTGAGE SERVICES, LLC | $135,000 | n/a | 0.0% | |
| BEST CAPITAL FUNDING | $125,000 | n/a | 0.0% | |
| First Bank & Trust Co. | $125,000 | n/a | 0.0% | |
| First Central Credit Union | $125,000 | n/a | 0.0% | |
| HOMESPIRE MORTGAGE CORPORATION | $125,000 | n/a | 0.0% | |
| State Bank of De Kalb | $125,000 | n/a | 0.0% | |
| DELMAR FINANCIAL COMPANY | $115,000 | n/a | 0.0% | |
| FORT WORTH COMMUNITY | $135,000 | $110,000 | -18.5% | 0.0% |
| BM Real Estate Services, Inc. | $155,000 | $105,000 | -32.3% | 0.0% |
| HANCOCK MORTGAGE PARTNERS, LLC | $520,000 | $95,000 | -81.7% | 0.0% |
| LADERA LENDING, INC. | $95,000 | n/a | 0.0% | |
| SECURITY SERVICE | $715,000 | $85,000 | -88.1% | 0.0% |
| WESTSTAR MORTGAGE CORPORATION | $75,000 | n/a | 0.0% | |
| First National Bank and Trust Company of Ardmore | $65,000 | n/a | 0.0% | |
| LIBERTYONE Credit Union | $55,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $1,045,000 | $55,000 | -94.7% | 0.0% |
| Hancock Whitney Bank | $35,000 | n/a | 0.0% |
SHERMAN - DENISON's top lender by overall market share is First United Bank and Trust Company, with 10.4% market share. In second place, with 4.2%, is QUICKEN LOANS, LLC, having originated $55,950,000 in loans. In third place, with 3.6%, is GUILD MORTGAGE COMPANY, having originated $48,590,000 in loans. In fourth place, with 2.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $38,780,000 in loans. In fifth place, with 2.4%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $32,250,000 in loans.
SHERMAN-DENISON, TX Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 75020 | Sherman-Denison, TX | $620 | $780 | $920 | $1,230 | $1,470 |
| 75021 | Sherman-Denison, TX | $640 | $810 | $960 | $1,280 | $1,530 |
| 75058 | Sherman-Denison, TX | $840 | $1,050 | $1,250 | $1,670 | $1,990 |
| 75076 | Sherman-Denison, TX | $720 | $910 | $1,080 | $1,440 | $1,720 |
| 75090 | Sherman-Denison, TX | $660 | $830 | $980 | $1,310 | $1,560 |
| 75091 | Sherman-Denison, TX | $660 | $830 | $990 | $1,320 | $1,580 |
| 75092 | Sherman-Denison, TX | $680 | $860 | $1,020 | $1,360 | $1,630 |
| 75414 | Sherman-Denison, TX | $600 | $720 | $870 | $1,170 | $1,350 |
| 75459 | Sherman-Denison, TX | $600 | $740 | $880 | $1,180 | $1,400 |
| 75479 | Sherman-Denison, TX | $660 | $830 | $990 | $1,320 | $1,580 |
| 75489 | Sherman-Denison, TX | $700 | $880 | $1,040 | $1,390 | $1,660 |
| 75490 | Sherman-Denison, TX | $830 | $1,050 | $1,240 | $1,660 | $1,980 |
| 75491 | Sherman-Denison, TX | $560 | $700 | $830 | $1,110 | $1,320 |
| 75495 | Sherman-Denison, TX | $830 | $1,030 | $1,220 | $1,630 | $1,950 |
| 76233 | Sherman-Denison, TX | $790 | $990 | $1,180 | $1,580 | $1,880 |
| 76240 | Sherman-Denison, TX | $660 | $830 | $990 | $1,320 | $1,580 |
| 76245 | Sherman-Denison, TX | $600 | $720 | $870 | $1,170 | $1,320 |
| 76258 | Sherman-Denison, TX | $990 | $1,060 | $1,260 | $1,610 | $2,110 |
| 76264 | Sherman-Denison, TX | $620 | $780 | $930 | $1,240 | $1,480 |
| 76268 | Sherman-Denison, TX | $690 | $870 | $1,030 | $1,370 | $1,640 |
| 76271 | Sherman-Denison, TX | $780 | $980 | $1,160 | $1,550 | $1,850 |
| 76273 | Sherman-Denison, TX | $740 | $930 | $1,100 | $1,470 | $1,750 |
2022 Average & Median Rent Data Statistics
SHERMAN-DENISON, TX average 1BR rent: $872, median: $845
SHERMAN-DENISON, TX average 2BR rent: $1,036, median: $1,005
SHERMAN-DENISON, TX average 3BR rent: $1,381, median: $1,340
SHERMAN-DENISON, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 3,089 | $989,415,000 | $320,303 |
| Cash Out Refi | 630 | $163,040,000 | $258,794 |
| Refi | 440 | $136,980,000 | $311,318 |
| Other | 162 | $26,350,000 | $162,654 |
| Home Improvement | 126 | $18,230,000 | $144,683 |
| NA | 3 | $815,000 | $271,667 |
Sherman - Denison's most frequently cited loan purpose was Home Purchase, with 3,089 originations. The 2nd most popular reason was Cash Out Refi, with 630 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 1,267 | $370,045,000 | $292,064 |
| 4-5% | 1,006 | $348,800,000 | $346,720 |
| 3-4% | 808 | $254,840,000 | $315,396 |
| 6-7% | 627 | $194,615,000 | $310,391 |
| 7-8% | 233 | $48,985,000 | $210,236 |
| 2.5-3% | 155 | $39,645,000 | $255,774 |
| Over 8% | 116 | $21,270,000 | $183,362 |
| <2.5% | 90 | $12,320,000 | $136,889 |
During 2022, Sherman - Denison's most frequently originated rate bucket was 5-6%, with 1,267 originations.
Loan Sizing (SHERMAN-DENISON, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,847 | $521,485,000 | $282,342 |
| $100k-200k | 1,288 | $195,370,000 | $151,685 |
| $400k-600k | 568 | $275,080,000 | $484,296 |
| $100,000 or less | 476 | $29,340,000 | $61,639 |
| $600k-1000k | 225 | $157,965,000 | $702,067 |
| $Over $1MM | 46 | $155,590,000 | $3,382,391 |
SHERMAN - DENISON's loan sizing saw the bucket of loans from $200k-400k with 1,847 originations, totaling $521,485,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,775 | $555,365,000 | $312,882 |
| 60-80% | 1,419 | $509,295,000 | $358,911 |
| 40-60% | 535 | $134,805,000 | $251,972 |
| 20-40% | 275 | $47,475,000 | $172,636 |
| Under 20% | 208 | $12,220,000 | $58,750 |
| Over 100% | 76 | $27,110,000 | $356,711 |
SHERMAN - DENISON's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,775 originations, totaling $555,365,000 in origination value.