Mortgage lending in Sherman-Denison, TX
3,990 mortgages were originated in the Sherman-Denison, TX area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,990
- Median rate
- 6.575%
- Median lender fees
- $7,479
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $255,000
- Above the going rate (spread over APOR)
- 0.249
- Paid discount points
- 46.3%
- Received lender credits
- 26.1%
- Purchases / refinances
- 66.4% / 24.7%
- Conventional / FHA / VA
- 69.9% / 19.2% / 10.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 77.3% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Sherman-Denison, TX area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 243 | $8,745 | 6.250% |
| First United Bank and Trust Company | 235 | $5,784 | 7.125% |
| Guild Mortgage Company | 216 | $9,100 | 6.625% |
| Rocket Mortgage, LLC | 210 | $6,058 | 6.875% |
| Primelending, A Plainscapital Company | 138 | $7,765 | 5.250% |
| Lennar Mortgage, LLC | 132 | $4,267 | 4.813% |
| DHI Mortgage Company, Ltd. | 116 | $8,617 | 3.990% |
| K. Hovnanian American Mortgage, L.L.C. | 105 | $7,591 | 6.625% |
| Loandepot.Com, LLC | 67 | $7,295 | 6.250% |
| American Portfolio Mortgage Corporation | 66 | $8,185 | 6.750% |