Mortgage lending in Washoe County
10,588 mortgages were originated in Washoe 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
- 10,588
- Median rate
- 6.625%
- Median lender fees
- $6,473
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
- $355,000
- Above the going rate (spread over APOR)
- 0.295
- Paid discount points
- 46.7%
- Received lender credits
- 22.3%
- Purchases / refinances
- 53.4% / 29.1%
- Conventional / FHA / VA
- 78.7% / 13.4% / 7.8%
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 77.1% 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 Washoe County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Guild Mortgage Company | 1,036 | $8,534 | 6.625% |
| Rocket Mortgage, LLC | 804 | $3,824 | 6.990% |
| United Shore Financial Services, LLC | 666 | $8,926 | 6.483% |
| DHI Mortgage Company, Ltd. | 439 | $5,869 | 4.990% |
| United Federal Credit Union | 375 | $3,191 | 7.050% |
| Crosscountry Mortgage, Inc. | 353 | $11,622 | 6.625% |
| U.S. Bank National Association | 336 | $3,988 | 7.700% |
| Pennymac Loan Services, LLC | 298 | $5,062 | 6.624% |
| Greater Nevada LLC | 259 | $4,511 | 6.500% |
| Bank of America, National Association | 236 | — | 6.240% |
What lenders charged here
Lender fees on a $355,000 loan, based on what was actually charged in Washoe County — not a rule of thumb.
From 8,161 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