NEXERA HOLDING LLC: what its borrowers actually paid (2025)
NEXERA HOLDING LLC reported 1,647 closed first-lien, owner-occupied home loans in 2025 under HMDA, across 86 counties in 19 states, and 1,273 in 2024. The table below shows its median rates and costs in the counties where it lent most, next to each county's all-lender median, so you can see at a glance where this lender's closed loans landed relative to the local market.
Home purchase
1,247 loans
across 86 counties with at least 5 such loans, 2025.
Refinance
400 loans
across 36 counties with at least 5 such loans, 2025.
Where NEXERA HOLDING LLC stands
Statewide, NEXERA HOLDING LLC ranks #77 of 450 lenders in California by 2025 closed loans in this dataset, purchase and refinance combined. Below, its standing in the counties where it closed the most purchase loans in 2025. Loan-count ranks include every lender that reported at least 5 loans in the county; rate and cost ranks compare only lenders with at least 30 closed purchase loans there, so a one-off low median never outranks a lender with real volume.
| County | Loans | By closed loans | By lowest median rate | By lowest median costs |
|---|---|---|---|---|
| Los Angeles County, CA | 125 | #60 of 283 | #130 of 150 | #129 of 146 |
| Maricopa County, AZ | 83 | #97 of 295 | #138 of 145 | #137 of 142 |
| Orange County, CA | 72 | #34 of 205 | #73 of 82 | #75 of 80 |
| San Diego County, CA | 48 | #67 of 199 | #82 of 89 | #80 of 87 |
| Miami-Dade County, FL | 46 | #55 of 184 | #70 of 76 | #66 of 75 |
| Harris County, TX | 39 | #145 of 332 | #165 of 173 | #166 of 171 |
| Broward County, FL | 34 | #72 of 217 | #79 of 83 | #74 of 82 |
| Palm Beach County, FL | 27 | #81 of 216 | under 30-loan floor | under 30-loan floor |
| King County, WA | 27 | #87 of 184 | under 30-loan floor | under 30-loan floor |
| Cook County, IL | 25 | #142 of 285 | under 30-loan floor | under 30-loan floor |
Ranks describe 2025 closed purchase loans reported under HMDA, not current pricing. "Of N" counts the lenders eligible for that ranking: every reporting lender for loan counts, lenders with 30 or more such loans for rate and cost ranks.
County by county
Each row is this lender's median among its own closed loans in that county, with the county's all-lender median beneath it for comparison. Origination is the lender's own charges (Loan Estimate section A); points is the discount-points portion. County pages link to the full local picture.
| County | Loans | Median rate | Total costs | Origination | Points | Loan amount |
|---|---|---|---|---|---|---|
| Los Angeles County, CA | 125 | 7.125%county 6.5% | $20,161county $11,253 | $12,780 | $3,641 | $1,135,000county $705,000 |
| Maricopa County, AZ | 83 | 7.125%county 6.25% | $15,001county $8,540 | $9,766 | $5,431 | $625,000county $415,000 |
| Orange County, CA | 72 | 7.062%county 6.5% | $20,704county $9,294 | $13,007 | $3,988 | $1,290,000county $805,000 |
| San Diego County, CA | 48 | 7.062%county 6.375% | $20,884county $9,739 | $14,005 | $6,977 | $1,050,000county $715,000 |
| Miami-Dade County, FL | 46 | 7.375%county 6.5% | $19,674county $13,325 | $13,537 | $2,338 | $600,000county $505,000 |
| Harris County, TX | 39 | 7.25%county 6.25% | $15,015county $8,535 | $9,517 | $5,955 | $465,000county $305,000 |
| Broward County, FL | 34 | 7.312%county 6.5% | $15,983county $10,856 | $9,683 | $3,880 | $485,000county $435,000 |
| Palm Beach County, FL | 27 | 7.375%county 6.5% | $16,910county $9,356 | $11,369 | $3,260 | $635,000county $435,000 |
| King County, WA | 27 | 6.75%county 6.375% | $16,475county $6,686 | $11,355 | $5,300 | $1,105,000county $675,000 |
| Cook County, IL | 25 | 7.375%county 6.625% | $14,633county $6,859 | $9,725 | $2,155 | $325,000county $315,000 |
| Contra Costa County, CA | 24 | 7.062%county 6.418% | $12,842county $8,606 | $8,391 | $2,787 | $795,000county $645,000 |
| Travis County, TX | 24 | 7.375%county 6.25% | $14,494county $8,377 | $9,873 | $5,633 | $565,000county $415,000 |
| Alameda County, CA | 22 | 7.062%county 6.375% | $14,438county $7,757 | $10,102 | $4,080 | $905,000county $805,000 |
| Riverside County, CA | 22 | 7.25%county 6.374% | $15,820county $11,699 | $10,823 | $3,150 | $795,000county $525,000 |
| Sacramento County, CA | 18 | 7.312%county 6.375% | $12,418county $7,234 | $9,125 | $5,063 | $455,000county $465,000 |
| Clark County, NV | 18 | 7.188%county 6.25% | $14,618county $8,434 | $10,030 | $6,607 | $535,000county $405,000 |
| San Mateo County, CA | 15 | 7%county 6.125% | $21,044county $8,058 | $14,980 | $6,457 | $1,445,000county $1,085,000 |
| Santa Clara County, CA | 15 | 7.125%county 6% | $6,051county $5,553 | $1,865 | $2,054 | $1,445,000county $1,115,000 |
| Ventura County, CA | 15 | 7.875%county 6.5% | $14,923county $9,401 | $10,680 | $2,543 | $735,000county $685,000 |
| Orange County, FL | 15 | 7.75%county 6.375% | $12,310county $9,402 | $8,509 | $5,250 | $395,000county $395,000 |
| Gwinnett County, GA | 15 | 7.25%county 6.375% | $15,248county $8,573 | $10,410 | $8,022 | $555,000county $375,000 |
| Tarrant County, TX | 15 | 7.375%county 6.375% | $12,694county $8,544 | $7,721 | $3,638 | $355,000county $325,000 |
| San Bernardino County, CA | 14 | 7.438%county 6.375% | $16,683county $11,902 | $11,242 | $5,663 | $765,000county $475,000 |
| Duval County, FL | 14 | 7.688%county 6.25% | $13,167county $7,601 | $8,192 | $1,911 | $350,000county $295,000 |
| Placer County, CA | 13 | 6.75%county 6.375% | $14,101county $6,706 | $10,359 | $5,888 | $525,000county $535,000 |
| Lee County, FL | 13 | 7.75%county 6.375% | $15,026county $9,372 | $8,603 | $4,045 | $325,000county $325,000 |
| Fort Bend County, TX | 13 | 7.25%county 6.25% | $13,481county $8,846 | $8,434 | $5,453 | $395,000county $345,000 |
| San Francisco County, CA | 12 | 6.812%county 6.25% | $13,253county $7,692 | $8,161 | $3,740 | $1,180,000county $925,000 |
| Fulton County, GA | 12 | 7.062%county 6.375% | $14,952county $8,300 | $9,187 | $9,086 | $1,205,000county $395,000 |
| Collin County, TX | 12 | 7.312%county 6.125% | $14,020county $8,393 | $7,643 | $7,277 | $960,000county $405,000 |
| Dallas County, TX | 12 | 7.5%county 6.49% | $24,150county $8,709 | $17,777 | $15,908 | $735,000county $335,000 |
| Kern County, CA | 11 | 7.875%county 6.25% | $13,557county $10,714 | $10,228 | $3,196 | $535,000county $365,000 |
| Marin County, CA | 11 | 7.25%county 6.375% | $11,691county $8,097 | $6,413 | $3,338 | $1,215,000county $985,000 |
| Montgomery County, TX | 11 | 7.5%county 6.125% | $14,633county $8,096 | $9,678 | $6,148 | $445,000county $295,000 |
| Salt Lake County, UT | 11 | 6.75%county 6.375% | $17,233county $8,295 | $12,954 | $3,351 | $935,000county $465,000 |
| Snohomish County, WA | 10 | 6.812%county 6.458% | $21,163county $7,300 | $17,108 | $16,285 | $690,000county $605,000 |
| Fresno County, CA | 9 | 7.375%county 6.375% | $11,045county $10,133 | $7,375 | $651 | $525,000county $395,000 |
| San Joaquin County, CA | 9 | 7.5%county 6.25% | $17,481county $8,589 | $13,724 | $3,469 | $505,000county $505,000 |
| Sonoma County, CA | 9 | 7%county 6.55% | $16,014county $8,151 | $11,065 | $1,532 | $1,145,000county $595,000 |
| Douglas County, CO | 9 | 7.125%county 6.25% | $11,458county $4,859 | $8,467 | $5,960 | $745,000county $595,000 |
| Hillsborough County, FL | 9 | 7.625%county 6.375% | $14,298county $9,021 | $9,625 | $2,502 | $425,000county $365,000 |
| Maui County, HI | 9 | 6.875%county 6.375% | $21,038county $12,736 | $17,020 | $3,499 | $1,105,000county $775,000 |
| Clackamas County, OR | 9 | 6.875%county 6.5% | $24,970county $7,580 | $17,765 | $5,871 | $765,000county $495,000 |
| Williamson County, TN | 9 | 7.125%county 6.49% | $16,333county $6,735 | $10,345 | $5,660 | $1,205,000county $665,000 |
| Bexar County, TX | 9 | 7.5%county 5.875% | $16,568county $8,276 | $11,665 | $10,610 | $435,000county $285,000 |
| Utah County, UT | 9 | 7%county 6.25% | $17,032county $8,782 | $13,630 | $3,154 | $635,000county $445,000 |
| Arapahoe County, CO | 8 | 7.438%county 6.375% | $11,194county $7,281 | $9,014 | $6,490 | $455,000county $455,000 |
| St. Johns County, FL | 8 | 7.312%county 6% | $19,454county $7,637 | $12,911 | $3,903 | $750,000county $395,000 |
| Williamson County, TX | 8 | 7.812%county 6.018% | $11,737county $7,928 | $7,553 | $4,844 | $385,000county $375,000 |
| Santa Cruz County, CA | 7 | 7%county 6.55% | $14,780county $7,056 | $10,415 | $3,296 | $845,000county $745,000 |
Showing the 50 counties where this lender closed the most purchase loans in 2025, out of 86 counties with at least 5 such loans.
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages, in county groups of at least 5 loans. These are medians of loans that already closed, not advertised offers, and the public file contains no credit scores. A lender whose customers skew toward larger loans, stronger credit, or paying discount points will show different medians than its neighbors at identical pricing. The methodology page documents every step.
The way to compare actual offers is the Loan Estimate: every lender must give you one within 3 business days of application, on the same standardized form, and its origination charges are binding. If you have one in hand, the checker compares it against your county's figures in your browser.
Common questions
What mortgage rates did NEXERA HOLDING LLC borrowers get in 2025?
Across the counties where NEXERA HOLDING LLC closed the most home-purchase loans in 2025, its county median rates ran from 6.75% to 7.875%. Each figure is a median of closed loans reported under HMDA, not an advertised offer, and the table on this page shows each county next to its all-lender benchmark.
Can I get these rates from NEXERA HOLDING LLC today?
Not from this page. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. To learn your own number, apply and get a Loan Estimate, which federal rules require within 3 business days and make close to free.
Why might NEXERA HOLDING LLC's medians differ from the county median?
Partly pricing, partly customer mix. The public HMDA file contains no credit scores, so a lender serving stronger-credit borrowers, larger loans, or borrowers who paid points will show different medians than its neighbors at identical pricing.
Where does this data come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in county groups of at least 5.