Mortgage lending in Clark County
49,879 mortgages were originated in Clark County, Nevada, in 2025.
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
- 49,879
- Median rate
- 6.611%
- Median lender fees
- $6,653
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
- $335,000
- Above the going rate (spread over APOR)
- 0.263
- Paid discount points
- 48.6%
- Received lender credits
- 22.6%
- Purchases / refinances
- 56.3% / 28.7%
- Conventional / FHA / VA
- 69.8% / 18% / 12.1%
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 77.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $462,000
- That home, 20% down
- $369,600
A median-priced home with 20% down leaves $463,150 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Clark County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 3,925 | $9,478 | 6.373% |
| Rocket Mortgage, LLC | 3,690 | $4,398 | 6.875% |
| AMERICA FIRST Federal Credit Union | 2,204 | — | 7.240% |
| Guild Mortgage Company | 1,808 | $9,780 | 6.375% |
| DHI Mortgage Company, Ltd. | 1,483 | $8,153 | 4.990% |
| Pennymac Loan Services, LLC | 1,344 | $5,499 | 6.625% |
| Lennar Mortgage, LLC | 1,310 | $5,232 | 4.750% |
| Loandepot.Com, LLC | 1,205 | $6,977 | 6.875% |
| U.S. Bank National Association | 971 | $4,138 | 7.700% |
| Kbhs Home Loans, LLC | 905 | $6,997 | 5.875% |
What lenders charged here
Lender fees on a $335,000 loan, based on what was actually charged in Clark County — not a rule of thumb.
From 38,714 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers