Mortgage lending in Washoe County
10,588 mortgages were originated in Washoe County, Nevada, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. 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
- Median loan amount
- $355,000
- Median 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
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
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, escrow and taxes are extra and are not in these figures. Compare two offers