What people paid for mortgages in Henderson County, TX (2025)

Across 891 closed home-purchase loans in 2025, the median interest rate in Henderson was 6.625%, and the middle half of borrowers got between 6.25% and 7.25%. Median total loan costs ran $7,807 on a median loan of $225,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.25%–7.25%
Median total loan costs: $7,807
Median loan amount: $225,000

891 loans, 2025.

Refinance

Median rate: 6.5%
Middle half of rates: 6.125%–7%
Median total loan costs: $6,712
Median loan amount: $245,000

295 loans, 2025.

Lowest median rates in Henderson (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.Mortgage Research Center, LLC6.25%35 loans, median costs $4,578
2.Rocket Mortgage, LLC6.433%40 loans, median costs $7,824
3.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.553%51 loans, median costs $7,983
4.Fairway Independent Mortgage Corporation6.625%51 loans, median costs $11,209
5.CMG MORTGAGE, INC.6.75%43 loans, median costs $8,765

Among lenders with at least 30 closed purchase loans in Henderson County in 2025.

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%28 loans, median costs $6,109
2.FREEDOM MORTGAGE CORPORATION6.25%11 loans, median costs $5,318
3.Loandepot.Com, LLC6.375%13 loans, median costs $8,066
4.Rocket Mortgage, LLC6.5%53 loans, median costs $7,513

Among lenders with at least 10 closed refinance loans in Henderson County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.

Lender by lender in Henderson

Every lender that closed at least 5 qualifying loans in Henderson County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	21st Mortgage Corporation	69	9.63%	$7,030	$4,185	n/a
2	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	51	6.553%	$7,983	$1,779	$1,779
3	Fairway Independent Mortgage Corporation	51	6.625%	$11,209	$4,654	$2,511
4	CMG MORTGAGE, INC.	43	6.75%	$8,765	$2,890	$1,154
5	Rocket Mortgage, LLC	40	6.433%	$7,824	$3,637	$2,981
6	Mortgage Research Center, LLC	35	6.25%	$4,578	$0	$1,534
7	Loandepot.Com, LLC	29	6.75%	$7,447	$2,442	$2,442
8	VANDERBILT MORTGAGE AND FINANCE, INC.	28	9.75%	$5,097	$2,955	$630
9	CROSSCOUNTRY MORTGAGE, INC.	27	6.95%	$9,605	$3,507	$2,969
10	ARK-LA-TEX FINANCIAL SERVICES, LLC.	25	6.5%	$5,745	$175	$1,563
11	First State Bank	19	n/a	n/a	n/a	n/a
12	TRIAD FINANCIAL SERVICES, INC.	16	9.025%	$7,895	$5,877	n/a
13	SOUTHWEST STAGE FUNDING, LLC	15	7.9%	$4,789	$2,960	$6,322
14	GUILD MORTGAGE COMPANY	14	6.562%	$8,894	$3,552	$2,548
15	AMERICAN PORTFOLIO MORTGAGE CORPORATION	13	6.5%	$7,265	$3,043	$1,904
16	WILLOW BEND MORTGAGE COMPANY, LLC	12	6.625%	$7,471	$3,207	$2,523
17	GUARANTEED RATE, INC.	12	6.438%	$8,272	$3,333	$2,181
18	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	12	6.87%	$10,306	$3,666	$2,104
19	Synergy One Lending, Inc.	11	6.375%	$8,394	$3,182	$3,386
20	DHI MORTGAGE COMPANY, LTD.	10	4.745%	$6,542	$0	$5,892
21	PRIMARY RESIDENTIAL MORTGAGE, INC.	9	6.5%	$9,066	$1,850	$2,809
22	INTEGRITY MORTGAGE CORPORATION OF TEXAS	9	6.625%	$6,951	$4,465	$1,545
23	Farm Credit Mid-America	8	7%	$7,815	$5,415	n/a
24	Ixonia Bank	8	6.625%	$7,770	$2,437	$1,252
25	Prosperity Bank	7	6.625%	$3,158	$600	$2,609
26	HIGHLANDS RESIDENTIAL MORTGAGE, LTD.	7	6.75%	$10,167	$3,984	$2,111
27	Bank of America, National Association	7	6.375%	$3,938	$1,575	$880
28	T2 FINANCIAL LLC	6	6.375%	$11,526	$4,177	$2,111
29	UNITED BUILT HOMES, L.L.C.	6	8.99%	n/a	$1,634	n/a
30	The American National Bank of Texas	6	6.75%	$11,923	$7,494	$1,276
31	EVERETT FINANCIAL, INC.	6	6.438%	$9,576	$3,667	$6,661
32	Nations Lending Corporation	5	6.75%	$7,173	$50	$2,756
33	Paramount Residential Mortgage Group, Inc.	5	6.75%	$9,002	$1,774	$2,160
34	PRIMELENDING, A PLAINSCAPITAL COMPANY	5	6.25%	$10,219	$3,370	$1,884
35	ZILLOW HOME LOANS, LLC	5	6.625%	$7,675	$2,465	$2,132
36	VeraBank, National Association	5	6.99%	$4,051	$1,040	$2,172
37	SUMMIT FUNDING, INC.	5	6.125%	$11,541	$3,921	$8,610
38	ALTRA Federal Credit Union	5	6.45%	$4,837	$1,480	$2,365
39	MOVEMENT MORTGAGE, LLC	5	6.5%	$10,611	$4,656	$2,792
40	Equity Prime Mortgage LLC	5	6.5%	$12,036	$2,410	$3,271

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

Request quotes on LendingTree

What happens after you submit

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Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Henderson figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in Henderson County in 2025?

The median interest rate on closed home-purchase loans in Henderson County, Texas in 2025 was 6.625%, across 891 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 7.25%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers 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 groups of at least 5.