SHERMAN - DENISON Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Sherman - Denison averaged
6.67%
for the week of 2024-11-07, compared to the national average of
6.79% for the same period.
The average rate for the prior week (2024-10-31) was
6.9% and
one month ago for the week of 2024-10-03, the
average rate was 6.2%.
Sherman - Denison's average rate one year ago was 7.84%.
For refis of the same type during the week of 2024-11-07, the average rate
was 7.46%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-07 | 6.79% |
| Sherman - Denison 30 Year Fixed Rate | 2024-11-07 | 6.67% |
| Sherman - Denison 30 Year Fixed Rate Refi | 2024-11-07 | 7.46% |
| Sherman - Denison 15 Year Fixed Rate | 2024-11-07 | 6.2% |
| Sherman - Denison 15 Year Fixed Rate Refi | 2024-11-07 | 6.5% |
| Sherman - Denison 30 Year FHA | 2024-11-07 | 6.52% |
| Sherman - Denison 30 Year FHA Refi | 2024-11-07 | 6.23% |
| Sherman - Denison 30 Year USDA | 2024-11-07 | 6.68% |
| Sherman - Denison 30 Year USDA Refi | 2024-11-07 | 6.58% |
| Sherman - Denison 30 Year VA | 2024-11-07 | 5.96% |
| Sherman - Denison 30 Year VA Refi | 2024-11-07 | 6.34% |
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 211 lenders originated 3,334
loans during 2023. The total origination value was $1,001,580,000, with an average loan value of
$300,414.
SHERMAN - DENISON's average closing costs are $6,528.
The top SHERMAN - DENISON lender as defined by loan originations is QUICKEN LOANS, LLC, with
97 loans originated. Their average total fees are
$7,687, which is $1,034
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 ($2,649), Wells Fargo Bank ($4,481), JPMorgan Chase Bank ($4,620), DHI MORTGAGE COMPANY, LTD. ($5,056) and MATTAMY HOME FUNDING, LLC ($5,164).
The lowest rate SHERMAN - DENISON lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.57%), HIGHLAND HOMELOANS, LLC (5.77%), PULTE MORTGAGE LLC (5.96%), PRIMELENDING, A PLAINSCAPITAL COMPANY (6.25%) and BancorpSouth (6.43%).
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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| First United Bank and Trust Company | $138,170,000 | $67,220,000 | -51.3% | 6.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $38,780,000 | $53,475,000 | 37.9% | 5.3% |
| Prosperity Bank | $9,980,000 | $46,165,000 | 362.6% | 4.6% |
| GUILD MORTGAGE COMPANY | $48,590,000 | $35,440,000 | -27.1% | 3.5% |
| QUICKEN LOANS, LLC | $55,950,000 | $34,420,000 | -38.5% | 3.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $31,040,000 | $33,920,000 | 9.3% | 3.4% |
| DHI MORTGAGE COMPANY, LTD. | $15,360,000 | $26,320,000 | 71.4% | 2.6% |
| BancorpSouth | $18,420,000 | $24,095,000 | 30.8% | 2.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $32,250,000 | $22,210,000 | -31.1% | 2.2% |
| GUARANTEED RATE, INC. | $12,570,000 | $20,570,000 | 63.6% | 2.1% |
| Independent Bank | $26,480,000 | $20,240,000 | -23.6% | 2.0% |
| CARDINAL FINANCIAL | $20,005,000 | $16,945,000 | -15.3% | 1.7% |
| GREYSTONE SERVICING COMPANY LLC | $25,290,000 | $15,365,000 | -39.2% | 1.5% |
| Legend Bank, N.A. | $5,120,000 | $14,520,000 | 183.6% | 1.4% |
| Town Square Mortgage & Investments, Inc. | $18,890,000 | $14,230,000 | -24.7% | 1.4% |
| Mortgage Research Center, LLC | $17,905,000 | $13,405,000 | -25.1% | 1.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $13,460,000 | $12,685,000 | -5.8% | 1.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $12,340,000 | $12,415,000 | 0.6% | 1.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $6,695,000 | $12,055,000 | 80.1% | 1.2% |
| EVERETT FINANCIAL, INC. | $20,700,000 | $11,420,000 | -44.8% | 1.1% |
| ORIX REAL ESTATE CAPITAL, LLC | $11,345,000 | n/a | 1.1% | |
| NFM, INC. | $4,090,000 | $11,220,000 | 174.3% | 1.1% |
| First State Bank | $2,265,000 | $11,175,000 | 393.4% | 1.1% |
| American National Bank & Trust | $1,045,000 | $10,450,000 | 900.0% | 1.0% |
| SFMC, LP | $12,065,000 | $10,330,000 | -14.4% | 1.0% |
| First National Bank | $11,315,000 | $10,325,000 | -8.7% | 1.0% |
| PULTE MORTGAGE LLC | $24,900,000 | $9,435,000 | -62.1% | 0.9% |
| CMG MORTGAGE, INC. | $4,180,000 | $9,340,000 | 123.4% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $8,060,000 | $8,045,000 | -0.2% | 0.8% |
| Republic State Mortgage Co. | $2,520,000 | $7,190,000 | 185.3% | 0.7% |
| JPMorgan Chase Bank | $13,805,000 | $6,670,000 | -51.7% | 0.7% |
| First Bank | $8,985,000 | $6,235,000 | -30.6% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $4,665,000 | $5,765,000 | 23.6% | 0.6% |
| NEWREZ LLC | $1,680,000 | $5,730,000 | 241.1% | 0.6% |
| HIGHLAND HOMELOANS, LLC | $12,260,000 | $5,690,000 | -53.6% | 0.6% |
| Southside Bank | $2,045,000 | $5,600,000 | 173.8% | 0.6% |
| Citizens Bank | $4,625,000 | $5,440,000 | 17.6% | 0.5% |
| Bank of America | $4,850,000 | $5,135,000 | 5.9% | 0.5% |
| Community National Bank & Trust of Texas | $1,835,000 | $5,015,000 | 173.3% | 0.5% |
| Texas Security Bank | $870,000 | $5,005,000 | 475.3% | 0.5% |
| THE MORTGAGE LINK, INC. | $1,275,000 | $4,985,000 | 291.0% | 0.5% |
| The First National Bank of Tom Bean | $7,405,000 | $4,785,000 | -35.4% | 0.5% |
| 21ST MORTGAGE CORPORATION | $6,950,000 | $4,755,000 | -31.6% | 0.5% |
| Wells Fargo Bank | $10,605,000 | $4,650,000 | -56.2% | 0.5% |
| Prosperity Home Mortgage, LLC | $12,200,000 | $4,490,000 | -63.2% | 0.4% |
| Arbor Realty Trust, Inc. | $14,620,000 | $4,465,000 | -69.5% | 0.4% |
| S1L, Inc. | $2,005,000 | $4,430,000 | 120.9% | 0.4% |
| NexBank | $6,955,000 | $4,425,000 | -36.4% | 0.4% |
| Gateway First Bank | $4,900,000 | $4,155,000 | -15.2% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,685,000 | $4,125,000 | 144.8% | 0.4% |
| LENDINGHOME FUNDING CORPORATION | $1,445,000 | $4,005,000 | 177.2% | 0.4% |
| MATTAMY HOME FUNDING, LLC | $1,980,000 | $3,835,000 | 93.7% | 0.4% |
| MID AMERICA MORTGAGE, INC. | $2,840,000 | $3,785,000 | 33.3% | 0.4% |
| TRIAD FINANCIAL SERVICES, INC. | $2,480,000 | $3,705,000 | 49.4% | 0.4% |
| Renasant Bank | $3,680,000 | n/a | 0.4% | |
| LOANDEPOT.COM, LLC | $10,730,000 | $3,570,000 | -66.7% | 0.4% |
| Simmons Bank | $7,835,000 | $3,550,000 | -54.7% | 0.4% |
| U.S. Bank | $4,285,000 | $3,485,000 | -18.7% | 0.3% |
| Third Coast Bank SSB | $2,260,000 | $3,430,000 | 51.8% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $9,345,000 | $3,300,000 | -64.7% | 0.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,790,000 | $3,165,000 | 76.8% | 0.3% |
| First Horizon Bank | $1,535,000 | $3,140,000 | 104.6% | 0.3% |
| INTERLINC MORTGAGE SERVICES, LLC | $1,370,000 | $3,130,000 | 128.5% | 0.3% |
| USAA Federal Savings Bank | $4,405,000 | $3,120,000 | -29.2% | 0.3% |
| PRIORITY HOME MORTGAGE, L.P. | $5,730,000 | $2,995,000 | -47.7% | 0.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | $675,000 | $2,935,000 | 334.8% | 0.3% |
| AMERICAN FINANCIAL NETWORK, INC. | $2,815,000 | n/a | 0.3% | |
| Frost Bank | $3,580,000 | $2,740,000 | -23.5% | 0.3% |
| ACADEMY MORTGAGE CORPORATION | $2,025,000 | $2,715,000 | 34.1% | 0.3% |
| The Huntington National Bank | $2,655,000 | n/a | 0.3% | |
| LOANPEOPLE, LLC | $930,000 | $2,635,000 | 183.3% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $5,735,000 | $2,630,000 | -54.1% | 0.3% |
| NBKC BANK | $1,440,000 | $2,530,000 | 75.7% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $9,550,000 | $2,525,000 | -73.6% | 0.3% |
| Farmers Bank & Trust Company | $5,065,000 | $2,490,000 | -50.8% | 0.2% |
| CORNERSTONE HOME LENDING, INC. | $960,000 | $2,485,000 | 158.9% | 0.2% |
| Magnolia Bank | $2,515,000 | $2,470,000 | -1.8% | 0.2% |
| WILLOW BEND MORTGAGE COMPANY, LLC | $6,085,000 | $2,465,000 | -59.5% | 0.2% |
| RANDOLPH-BROOKS | $8,760,000 | $2,385,000 | -72.8% | 0.2% |
| AmeriHome Mortgage Company, LLC | $3,070,000 | $2,375,000 | -22.6% | 0.2% |
| Toyota Financial Savings Bank | $685,000 | $2,350,000 | 243.1% | 0.2% |
| AMCAP MORTGAGE, LTD. | $9,100,000 | $2,340,000 | -74.3% | 0.2% |
| Flagstar Bank, FSB | $5,355,000 | $2,335,000 | -56.4% | 0.2% |
| SWBC MORTGAGE CORPORATION | $2,965,000 | $2,335,000 | -21.2% | 0.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,080,000 | $2,335,000 | 116.2% | 0.2% |
| b1BANK | $2,300,000 | $2,315,000 | 0.7% | 0.2% |
| RF Renovo Management Company, LLC | $930,000 | $2,310,000 | 148.4% | 0.2% |
| Texas Bank | $2,930,000 | $2,295,000 | -21.7% | 0.2% |
| BMO Harris Bank | $2,255,000 | n/a | 0.2% | |
| Neighborhood Loans, Inc. | $1,185,000 | $2,240,000 | 89.0% | 0.2% |
| CALIBER HOME LOANS, INC. | $21,360,000 | $2,235,000 | -89.5% | 0.2% |
| Credit Union of Texas | $2,245,000 | $2,230,000 | -0.7% | 0.2% |
| FIRST CONTINENTAL MORTGAGE, LTD. | $2,200,000 | n/a | 0.2% | |
| Zions Bank | $1,765,000 | $2,180,000 | 23.5% | 0.2% |
| Citibank | $995,000 | $2,155,000 | 116.6% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $2,755,000 | $2,140,000 | -22.3% | 0.2% |
| Nations Lending Corporation | $620,000 | $2,085,000 | 236.3% | 0.2% |
| Texas Bank and Trust Company | $2,820,000 | $2,025,000 | -28.2% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $1,460,000 | $1,975,000 | 35.3% | 0.2% |
| FREEDOM MORTGAGE CORPORATION | $7,130,000 | $1,945,000 | -72.7% | 0.2% |
| PNC Bank | $1,940,000 | $1,905,000 | -1.8% | 0.2% |
| ROYAL UNITED MORTGAGE LLC | $640,000 | $1,900,000 | 196.9% | 0.2% |
| PLANET HOME LENDING, LLC | $420,000 | $1,885,000 | 348.8% | 0.2% |
| CRESTMARK MORTGAGE COMPANY, LTD. | $10,285,000 | $1,860,000 | -81.9% | 0.2% |
| PointBank | $1,790,000 | n/a | 0.2% | |
| Bank of England | $2,430,000 | $1,685,000 | -30.7% | 0.2% |
| GENEVA FINANCIAL, LLC | $1,080,000 | $1,675,000 | 55.1% | 0.2% |
| CLM MORTGAGE, INC | $1,655,000 | n/a | 0.2% | |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | $3,080,000 | $1,655,000 | -46.3% | 0.2% |
| The American National Bank of Texas | $2,990,000 | $1,655,000 | -44.6% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $295,000 | $1,640,000 | 455.9% | 0.2% |
| DAS Acquisition Company, LLC | $2,195,000 | $1,625,000 | -26.0% | 0.2% |
| HOMEXPRESS MORTGAGE CORP. | $210,000 | $1,625,000 | 673.8% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $825,000 | $1,595,000 | 93.3% | 0.2% |
| Ixonia Bank | $890,000 | $1,595,000 | 79.2% | 0.2% |
| BAY EQUITY LLC | $1,310,000 | $1,585,000 | 21.0% | 0.2% |
| THRIVE MORTGAGE, LLC | $9,250,000 | $1,520,000 | -83.6% | 0.2% |
| DRAPER AND KRAMER MORTGAGE CORP. | $1,505,000 | $1,495,000 | -0.7% | 0.1% |
| Texas Mortgage Lending, LLC | $1,410,000 | $1,490,000 | 5.7% | 0.1% |
| Veritex Community Bank | $1,495,000 | $1,490,000 | -0.3% | 0.1% |
| SECURITY SERVICE | $85,000 | $1,470,000 | 1,629.4% | 0.1% |
| Ameristate Bank | $4,035,000 | $1,455,000 | -63.9% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $2,015,000 | $1,430,000 | -29.0% | 0.1% |
| Alliance Bank | $1,245,000 | $1,400,000 | 12.4% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $2,015,000 | $1,395,000 | -30.8% | 0.1% |
| FBC MORTGAGE, LLC | $1,805,000 | $1,385,000 | -23.3% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $4,915,000 | $1,385,000 | -71.8% | 0.1% |
| BROKER SOLUTIONS, INC. | $3,175,000 | $1,375,000 | -56.7% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $4,730,000 | $1,375,000 | -70.9% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $785,000 | $1,345,000 | 71.3% | 0.1% |
| Cornerstone First Mortgage, Inc | $1,330,000 | n/a | 0.1% | |
| NBH Bank | $805,000 | $1,330,000 | 65.2% | 0.1% |
| Discover Bank | $1,125,000 | $1,325,000 | 17.8% | 0.1% |
| AMWEST FUNDING CORP. | $1,315,000 | n/a | 0.1% | |
| CITY | $1,035,000 | $1,315,000 | 27.1% | 0.1% |
| NP, Inc. | $1,305,000 | n/a | 0.1% | |
| Kwik Mortgage Corporation | $515,000 | $1,300,000 | 152.4% | 0.1% |
| OPEN MORTGAGE, LLC | $1,300,000 | n/a | 0.1% | |
| Nascoga Federal Credit Union | $3,445,000 | $1,255,000 | -63.6% | 0.1% |
| UNITED BUILT HOMES, L.L.C. | $1,280,000 | $1,220,000 | -4.7% | 0.1% |
| ARC HOME LLC | $530,000 | $1,215,000 | 129.2% | 0.1% |
| Northpointe Bank | $440,000 | $1,175,000 | 167.0% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $1,170,000 | n/a | 0.1% | |
| 5TH STREET CAPITAL, INC. | $1,165,000 | n/a | 0.1% | |
| Ally Bank | $1,165,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,040,000 | $1,150,000 | -43.6% | 0.1% |
| BETTER MORTGAGE CORPORATION | $4,685,000 | $1,145,000 | -75.6% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $55,000 | $1,140,000 | 1,972.7% | 0.1% |
| Truist | $3,140,000 | $1,125,000 | -64.2% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $1,485,000 | $1,115,000 | -24.9% | 0.1% |
| Chambers Bank | $1,105,000 | n/a | 0.1% | |
| MORTGAGE FINANCIAL SERVICES, LLC | $2,010,000 | $1,105,000 | -45.0% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $1,540,000 | $1,100,000 | -28.6% | 0.1% |
| BOKF | $2,570,000 | $1,075,000 | -58.2% | 0.1% |
| Regions Bank | $1,190,000 | $1,065,000 | -10.5% | 0.1% |
| The Loan Store, Inc. | $1,060,000 | n/a | 0.1% | |
| Strong Home Mortgage, LLC | $1,825,000 | $1,045,000 | -42.7% | 0.1% |
| First Savings Bank | $860,000 | $1,040,000 | 20.9% | 0.1% |
| GARDNER FINANCIAL SERVICES, LTD. | $1,040,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $2,240,000 | $1,025,000 | -54.2% | 0.1% |
| North American Savings Bank, F.S.B. | $995,000 | $1,015,000 | 2.0% | 0.1% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $1,005,000 | n/a | 0.1% | |
| Sunflower Bank | $2,395,000 | $980,000 | -59.1% | 0.1% |
| CITIZENS EQUITY FIRST | $975,000 | n/a | 0.1% | |
| Network Funding, L.P. | $890,000 | $965,000 | 8.4% | 0.1% |
| GMFS LLC | $960,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $270,000 | $955,000 | 253.7% | 0.1% |
| Commerce Home Mortgage, Inc. | $1,365,000 | $925,000 | -32.2% | 0.1% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $800,000 | $905,000 | 13.1% | 0.1% |
| New Century Bank | $905,000 | n/a | 0.1% | |
| INTERCAP LENDING INC. | $430,000 | $900,000 | 109.3% | 0.1% |
| BROOKHOLLOW MORTGAGE SERVICES, LTD | $5,805,000 | $860,000 | -85.2% | 0.1% |
| Plains Commerce Bank | $185,000 | $855,000 | 362.2% | 0.1% |
| Equity Prime Mortgage LLC | $540,000 | $815,000 | 50.9% | 0.1% |
| Raymond James Bank | $810,000 | n/a | 0.1% | |
| CAPITAL CONCEPTS, INC. | $805,000 | n/a | 0.1% | |
| American State Bank | $785,000 | n/a | 0.1% | |
| The Northern Trust Company | $745,000 | n/a | 0.1% | |
| EECU | $275,000 | $735,000 | 167.3% | 0.1% |
| DATCU | $1,690,000 | $725,000 | -57.1% | 0.1% |
| S&T Bank | $725,000 | n/a | 0.1% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $705,000 | n/a | 0.1% | |
| CHERRY CREEK MORTGAGE, LLC | $2,925,000 | $695,000 | -76.2% | 0.1% |
| V.I.P. MORTGAGE, INC. | $695,000 | n/a | 0.1% | |
| UIF CORPORATION | $685,000 | n/a | 0.1% | |
| Armstrong Bank | $670,000 | n/a | 0.1% | |
| Broadway National Bank | $1,000,000 | $655,000 | -34.5% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $630,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $975,000 | $630,000 | -35.4% | 0.1% |
| First Federal Bank | $625,000 | n/a | 0.1% | |
| HomeBank Texas | $830,000 | $615,000 | -25.9% | 0.1% |
| SUMMIT FUNDING, INC. | $3,025,000 | $615,000 | -79.7% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $2,020,000 | $610,000 | -69.8% | 0.1% |
| Bank of Whittier | $315,000 | $610,000 | 93.7% | 0.1% |
| MICHIGAN MUTUAL, INC. | $830,000 | $610,000 | -26.5% | 0.1% |
| NATIONS RELIABLE LENDING, LLC | $890,000 | $605,000 | -32.0% | 0.1% |
| A&D Mortgage LLC | $740,000 | $595,000 | -19.6% | 0.1% |
| Great Plains National Bank | $960,000 | $590,000 | -38.5% | 0.1% |
| LOANPAL, LLC | $1,400,000 | $585,000 | -58.2% | 0.1% |
| Arvest Bank | $570,000 | n/a | 0.1% | |
| ENDEAVOR CAPITAL, LLC. | $550,000 | n/a | 0.1% | |
| Morgan Stanley Private Bank | $315,000 | $525,000 | 66.7% | 0.1% |
| Origin Bank | $840,000 | $525,000 | -37.5% | 0.1% |
| Herring Bank | $515,000 | n/a | 0.1% | |
| VISION ONE MORTGAGE, INC. | $505,000 | n/a | 0.1% | |
| CASTLE & COOKE MORTGAGE, LLC | $175,000 | $495,000 | 182.9% | 0.0% |
| Citizens National Bank of Texas | $495,000 | n/a | 0.0% | |
| American Bank | $475,000 | n/a | 0.0% | |
| GECU | $475,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,290,000 | $475,000 | -63.2% | 0.0% |
| Washington Federal Bank | $475,000 | $475,000 | 0.0% | 0.0% |
| ASPIRE FINANCIAL, INC. | $8,120,000 | $465,000 | -94.3% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $465,000 | n/a | 0.0% | |
| OCMBC, INC. | $440,000 | $465,000 | 5.7% | 0.0% |
| Watermark Capital, Inc. | $680,000 | $460,000 | -32.4% | 0.0% |
| TEXANS | $1,495,000 | $450,000 | -69.9% | 0.0% |
| First National Bank Texas | $445,000 | n/a | 0.0% | |
| FirstBank Southwest | $305,000 | $435,000 | 42.6% | 0.0% |
| First Financial Bank | $2,515,000 | $425,000 | -83.1% | 0.0% |
| SILVER HILL FUNDING, LLC | $415,000 | n/a | 0.0% | |
| STAR ONE CREDIT UNION | $410,000 | n/a | 0.0% | |
| ANGEL OAK HOME LOANS LLC | $8,920,000 | $405,000 | -95.5% | 0.0% |
| BancFirst | $155,000 | $405,000 | 161.3% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $255,000 | $405,000 | 58.8% | 0.0% |
| TRUWEST Credit Union | $205,000 | $405,000 | 97.6% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $305,000 | $400,000 | 31.1% | 0.0% |
| Farm Credit Mid-America, ACA | $1,895,000 | $395,000 | -79.2% | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $395,000 | n/a | 0.0% | |
| Commercial Bank of Texas | $970,000 | $390,000 | -59.8% | 0.0% |
| First National Bank of America | $290,000 | $390,000 | 34.5% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $375,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $365,000 | n/a | 0.0% | |
| Liberty National Bank | $365,000 | n/a | 0.0% | |
| Lincoln Savings Bank | $365,000 | n/a | 0.0% | |
| Midwest Mortgage Associates Corporation | $860,000 | $365,000 | -57.6% | 0.0% |
| BNC National Bank | $730,000 | $355,000 | -51.4% | 0.0% |
| CERTIFIED FUNDING, L.P. | $200,000 | $355,000 | 77.5% | 0.0% |
| Colonial Savings, F.A. | $2,750,000 | $355,000 | -87.1% | 0.0% |
| Bank of Colorado | $345,000 | n/a | 0.0% | |
| INTOUCH CREDIT UNION | $200,000 | $345,000 | 72.5% | 0.0% |
| AMERICA'S CREDIT UNION | $335,000 | n/a | 0.0% | |
| North Dallas Bank & Trust Co. | $605,000 | $335,000 | -44.6% | 0.0% |
| NTFN, INC. | $1,305,000 | $335,000 | -74.3% | 0.0% |
| TIB The Independent Bankersbank | $415,000 | $325,000 | -21.7% | 0.0% |
| VILLAGE CAPITAL MORTGAGE | $405,000 | $325,000 | -19.8% | 0.0% |
| CSL Financial, LLC | $315,000 | n/a | 0.0% | |
| STOCKTON MORTGAGE CORPORATION | $315,000 | n/a | 0.0% | |
| H E B | $305,000 | n/a | 0.0% | |
| JMAC LENDING, INC. | $305,000 | n/a | 0.0% | |
| MLD MORTGAGE INC. | $300,000 | n/a | 0.0% | |
| Florida Capital Bank | $295,000 | n/a | 0.0% | |
| Generations Bank | $295,000 | n/a | 0.0% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $295,000 | n/a | 0.0% | |
| United Nations Federal Credit Union | $265,000 | $295,000 | 11.3% | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $335,000 | $285,000 | -14.9% | 0.0% |
| EASTMAN | $275,000 | n/a | 0.0% | |
| RANLIFE, INC. | $275,000 | n/a | 0.0% | |
| BM Real Estate Services, Inc. | $105,000 | $265,000 | 152.4% | 0.0% |
| Ciera Bank | $265,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $560,000 | $265,000 | -52.7% | 0.0% |
| US MORTGAGE CORPORATION | $265,000 | n/a | 0.0% | |
| Comerica Bank | $295,000 | $260,000 | -11.9% | 0.0% |
| AXIA FINANCIAL, LLC | $255,000 | n/a | 0.0% | |
| Centennial Bank | $14,615,000 | $255,000 | -98.3% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $295,000 | $255,000 | -13.6% | 0.0% |
| Hometown Equity Mortgage, LLC | $255,000 | n/a | 0.0% | |
| JSC | $255,000 | n/a | 0.0% | |
| Preston Home Loans Inc | $255,000 | n/a | 0.0% | |
| TEXAS TECH | $430,000 | $255,000 | -40.7% | 0.0% |
| DELMAR FINANCIAL COMPANY | $115,000 | $245,000 | 113.0% | 0.0% |
| ENCORE BANK | $14,255,000 | $245,000 | -98.3% | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | $2,845,000 | $245,000 | -91.4% | 0.0% |
| MORIA DEVELOPMENT, INC. | $265,000 | $245,000 | -7.5% | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | $195,000 | $240,000 | 23.1% | 0.0% |
| Bell Bank | $235,000 | n/a | 0.0% | |
| Constant Investments, Inc. | $235,000 | n/a | 0.0% | |
| General Mortgage Capital Corporation | $235,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $1,560,000 | $235,000 | -84.9% | 0.0% |
| M&T Bank | $235,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $575,000 | $235,000 | -59.1% | 0.0% |
| STANDARD MORTGAGE CORPORATION | $235,000 | n/a | 0.0% | |
| Trinity Oaks Mortgage, LLC | $580,000 | $235,000 | -59.5% | 0.0% |
| Waterstone Mortgage Corporation | $1,410,000 | $235,000 | -83.3% | 0.0% |
| American Airlines Federal Credit Union | $380,000 | $225,000 | -40.8% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $610,000 | $225,000 | -63.1% | 0.0% |
| EMBRACE HOME LOANS, INC. | $225,000 | n/a | 0.0% | |
| UNIVERSITY Federal Credit Union | $670,000 | $225,000 | -66.4% | 0.0% |
| First Liberty Bank | $220,000 | n/a | 0.0% | |
| Cathay Bank | $215,000 | n/a | 0.0% | |
| BELEM SERVICING LLC | $205,000 | n/a | 0.0% | |
| Commerce Bank | $205,000 | n/a | 0.0% | |
| Encompass Lending Group, LP | $1,390,000 | $205,000 | -85.3% | 0.0% |
| First Western Federal Savings Bank | $205,000 | n/a | 0.0% | |
| Grandview Bank | $205,000 | n/a | 0.0% | |
| MEGASTAR FINANCIAL CORP. | $205,000 | n/a | 0.0% | |
| PEGASUS BANK | $205,000 | n/a | 0.0% | |
| UNION HOME MORTGAGE CORP. | $2,800,000 | $205,000 | -92.7% | 0.0% |
| A+ Federal Credit Union | $805,000 | $195,000 | -75.8% | 0.0% |
| PlainsCapital Bank | $195,000 | n/a | 0.0% | |
| Security State Bank & Trust | $195,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $1,060,000 | $190,000 | -82.1% | 0.0% |
| CIVIC FINANCIAL SERVICES, LLC | $7,420,000 | $185,000 | -97.5% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $265,000 | $185,000 | -30.2% | 0.0% |
| American Bank of Commerce | $175,000 | $175,000 | 0.0% | 0.0% |
| City Bank | $1,860,000 | $175,000 | -90.6% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $2,495,000 | $175,000 | -93.0% | 0.0% |
| Firefighters First Federal Credit Union | $305,000 | $165,000 | -45.9% | 0.0% |
| HOMESTEAD FUNDING CORP. | $155,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $205,000 | $155,000 | -24.4% | 0.0% |
| WEBSTER FIRST Federal Credit Union | $155,000 | n/a | 0.0% | |
| NEXERA HOLDING LLC | $145,000 | n/a | 0.0% | |
| Citadel Servicing Corporation | $135,000 | n/a | 0.0% | |
| First Texoma National Bank | $3,495,000 | $135,000 | -96.1% | 0.0% |
| Loan Simple, Inc. | $1,655,000 | $135,000 | -91.8% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $435,000 | $135,000 | -69.0% | 0.0% |
| First IC Corporation | $125,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $400,000 | $125,000 | -68.8% | 0.0% |
| LONE STAR | $125,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $280,000 | $115,000 | -58.9% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,620,000 | $105,000 | -93.5% | 0.0% |
| FORT WORTH COMMUNITY | $110,000 | $105,000 | -4.5% | 0.0% |
| GSF Mortgage Corporation | $105,000 | n/a | 0.0% | |
| TOTAL MORTGAGE SERVICES, LLC | $85,000 | n/a | 0.0% | |
| United Community Bank | $500,000 | $85,000 | -83.0% | 0.0% |
| TEXELL Credit Union | $65,000 | n/a | 0.0% | |
| CommunityBank of Texas, N.A. | $55,000 | n/a | 0.0% | |
| FIRST SERVICE Credit Union | $55,000 | n/a | 0.0% | |
| InterBank | $355,000 | $55,000 | -84.5% | 0.0% |
| The First National Bank of Granbury | $1,675,000 | $55,000 | -96.7% | 0.0% |
| LIBERTYONE Credit Union | $55,000 | $45,000 | -18.2% | 0.0% |
| Deere Employees Credit Union | $190,000 | $25,000 | -86.8% | 0.0% |
| International Bank of Commerce | $385,000 | $25,000 | -93.5% | 0.0% |
SHERMAN - DENISON's top lender by overall market share is First United Bank and Trust Company, with 6.7% market share. In second place, with 5.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $53,475,000 in loans. In third place, with 4.6%, is Prosperity Bank, having originated $46,165,000 in loans. In fourth place, with 3.5%, is GUILD MORTGAGE COMPANY, having originated $35,440,000 in loans. In fifth place, with 3.4%, is QUICKEN LOANS, LLC, having originated $34,420,000 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 MSA | $690 | $850 | $990 | $1,340 | $1,650 |
| 75021 | Sherman-Denison, TX MSA | $730 | $900 | $1,050 | $1,420 | $1,750 |
| 75058 | Sherman-Denison, TX MSA | $970 | $1,190 | $1,390 | $1,880 | $2,320 |
| 75076 | Sherman-Denison, TX MSA | $820 | $1,010 | $1,180 | $1,590 | $1,970 |
| 75090 | Sherman-Denison, TX MSA | $710 | $870 | $1,020 | $1,380 | $1,700 |
| 75091 | Sherman-Denison, TX MSA | $730 | $900 | $1,050 | $1,420 | $1,750 |
| 75092 | Sherman-Denison, TX MSA | $750 | $930 | $1,080 | $1,460 | $1,800 |
| 75414 | Sherman-Denison, TX MSA | $600 | $750 | $890 | $1,190 | $1,440 |
| 75459 | Sherman-Denison, TX MSA | $680 | $840 | $980 | $1,320 | $1,640 |
| 75479 | Sherman-Denison, TX MSA | $730 | $900 | $1,050 | $1,420 | $1,750 |
| 75489 | Sherman-Denison, TX MSA | $780 | $960 | $1,120 | $1,510 | $1,870 |
| 75490 | Sherman-Denison, TX MSA | $750 | $950 | $1,120 | $1,500 | $1,790 |
| 75491 | Sherman-Denison, TX MSA | $590 | $720 | $840 | $1,130 | $1,400 |
| 75495 | Sherman-Denison, TX MSA | $890 | $1,080 | $1,260 | $1,700 | $2,110 |
| 76233 | Sherman-Denison, TX MSA | $870 | $1,060 | $1,240 | $1,680 | $2,070 |
| 76240 | Sherman-Denison, TX MSA | $730 | $900 | $1,050 | $1,420 | $1,750 |
| 76245 | Sherman-Denison, TX MSA | $600 | $750 | $890 | $1,190 | $1,420 |
| 76258 | Sherman-Denison, TX MSA | $1,140 | $1,210 | $1,420 | $1,800 | $2,340 |
| 76264 | Sherman-Denison, TX MSA | $670 | $820 | $960 | $1,300 | $1,600 |
| 76268 | Sherman-Denison, TX MSA | $760 | $940 | $1,090 | $1,470 | $1,820 |
| 76271 | Sherman-Denison, TX MSA | $870 | $1,060 | $1,240 | $1,680 | $2,070 |
| 76273 | Sherman-Denison, TX MSA | $820 | $1,000 | $1,170 | $1,580 | $1,950 |
2022 Average & Median Rent Data Statistics
SHERMAN-DENISON, TX average 1BR rent: $936, median: $915
SHERMAN-DENISON, TX average 2BR rent: $1,095, median: $1,065
SHERMAN-DENISON, TX average 3BR rent: $1,472, median: $1,440
SHERMAN-DENISON, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,556 | $822,060,000 | $321,620 |
| Cash Out Refi | 280 | $56,070,000 | $200,250 |
| Refi | 212 | $86,100,000 | $406,132 |
| Other | 188 | $25,200,000 | $134,043 |
| Home Improvement | 98 | $12,150,000 | $123,980 |
Sherman - Denison's most frequently cited loan purpose was Home Purchase, with 2,556 originations. The 2nd most popular reason was Cash Out Refi, with 280 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,188 | $363,890,000 | $306,305 |
| 7-8% | 904 | $239,930,000 | $265,409 |
| Over 8% | 513 | $129,465,000 | $252,368 |
| 5-6% | 497 | $165,915,000 | $333,833 |
| 4-5% | 77 | $24,155,000 | $313,701 |
| <2.5% | 33 | $11,555,000 | $350,152 |
| 2.5-3% | 7 | $1,145,000 | $163,571 |
| 3-4% | 5 | $855,000 | $171,000 |
During 2023, Sherman - Denison's most frequently originated rate bucket was 6-7%, with 1,188 originations.
Loan Sizing (SHERMAN-DENISON, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,551 | $434,035,000 | $279,842 |
| $100k-200k | 832 | $127,510,000 | $153,257 |
| $400k-600k | 396 | $188,020,000 | $474,798 |
| $100,000 or less | 366 | $21,030,000 | $57,459 |
| $600k-1000k | 149 | $106,355,000 | $713,792 |
| $Over $1MM | 40 | $124,630,000 | $3,115,750 |
SHERMAN - DENISON's loan sizing saw the bucket of loans from $200k-400k with 1,551 originations, totaling $434,035,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,436 | $447,460,000 | $311,602 |
| 60-80% | 928 | $286,940,000 | $309,203 |
| 40-60% | 361 | $143,125,000 | $396,468 |
| 20-40% | 237 | $35,495,000 | $149,768 |
| Under 20% | 199 | $11,015,000 | $55,352 |
| Over 100% | 49 | $26,835,000 | $547,653 |
SHERMAN - DENISON's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,436 originations, totaling $447,460,000 in origination value.