Mortgage lending in Reno, NV
12,720 mortgages were originated in the Reno, 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
- 12,720
- Median rate
- 6.625%
- Median lender fees
- $6,599
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
- $345,000
- Above the going rate (spread over APOR)
- 0.295
- Paid discount points
- 48.5%
- Received lender credits
- 22.6%
- Purchases / refinances
- 54.2% / 29%
- Conventional / FHA / VA
- 74.6% / 15.8% / 9.5%
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 78.4% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Reno, NV area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Guild Mortgage Company | 1,357 | $8,949 | 6.625% |
| Rocket Mortgage, LLC | 991 | $3,923 | 6.990% |
| United Shore Financial Services, LLC | 806 | $9,329 | 6.375% |
| DHI Mortgage Company, Ltd. | 565 | $7,527 | 4.990% |
| Crosscountry Mortgage, Inc. | 433 | $11,737 | 6.575% |
| United Federal Credit Union | 428 | $3,469 | 7.050% |
| U.S. Bank National Association | 382 | $3,806 | 7.700% |
| Pennymac Loan Services, LLC | 345 | $5,244 | 6.624% |
| Greater Nevada LLC | 330 | $4,463 | 6.500% |
| Lennar Mortgage, LLC | 294 | $4,149 | 4.990% |