Mortgage lending in Lyon County
2,006 mortgages were originated in Lyon 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
- 2,006
- Median rate
- 6.489%
- Median lender fees
- $7,760
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
- $305,000
- Above the going rate (spread over APOR)
- 0.284
- Paid discount points
- 57.7%
- Received lender credits
- 23.6%
- Purchases / refinances
- 58.8% / 28.1%
- Conventional / FHA / VA
- 53.7% / 28% / 17.8%
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 85.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $638,250
- Median home price
- $555,000
- That home, 20% down
- $444,000
A median-priced home with 20% down leaves $388,750 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 Lyon County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Guild Mortgage Company | 304 | $10,317 | 6.500% |
| Rocket Mortgage, LLC | 172 | $4,677 | 6.875% |
| United Shore Financial Services, LLC | 132 | $10,354 | 6.125% |
| DHI Mortgage Company, Ltd. | 126 | $9,495 | 4.990% |
| Crosscountry Mortgage, Inc. | 72 | $12,294 | 6.245% |
| Greater Nevada LLC | 69 | — | 6.500% |
| Lennar Mortgage, LLC | 61 | $4,021 | 5.250% |
| United Federal Credit Union | 51 | — | 6.740% |
| Primelending, A Plainscapital Company | 51 | $9,316 | — |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Lyon County — not a rule of thumb.
From 1,708 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