Mortgage lending in Carson City, NV
1,108 mortgages were originated in the Carson City, NV 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
- 1,108
- Median rate
- 6.625%
- Median lender fees
- $6,204
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
- $315,000
- Above the going rate (spread over APOR)
- 0.331
- Paid discount points
- 47.4%
- Received lender credits
- 22.5%
- Purchases / refinances
- 52.1% / 29.5%
- Conventional / FHA / VA
- 76.6% / 14.6% / 8.8%
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 76.9% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Carson City, NV area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Guild Mortgage Company | 152 | $8,894 | 6.625% |
| Greater Nevada LLC | 89 | $4,346 | 6.625% |
| Rocket Mortgage, LLC | 88 | $3,855 | 6.933% |
| United Shore Financial Services, LLC | 67 | $8,823 | 6.021% |
| U.S. Bank National Association | 53 | — | 6.750% |