What people paid for mortgages in Nevada County, CA (2025)
Across 917 closed home-purchase loans in 2025, the median interest rate in Nevada was 6.624%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $6,308 on a median loan of $435,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.624%
- Middle half of rates
- 6.125%–6.875%
- Median total loan costs
- $6,308
- Median loan amount
- $435,000
917 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.875%–6.625%
- Median total loan costs
- $5,028
- Median loan amount
- $415,000
451 loans, 2025.
Lowest median rates in Nevada (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.THE LOAN STORE, INC.broker only6.49%119 loans, median costs $5,376
- 2.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.624%179 loans, median costs $7,491
- 3.Rocket Mortgage, LLC6.625%42 loans, median costs $5,852
- 4.MOVEMENT MORTGAGE, LLC6.625%33 loans, median costs $9,326
- 5.GUILD MORTGAGE COMPANY6.625%32 loans, median costs $6,513
Among lenders with at least 30 closed purchase loans in Nevada County in 2025.
Refinance
- 1.NATIONSTAR MORTGAGE LLC5.99%17 loans, median costs $9,606
- 2.Loandepot.Com, LLC5.99%10 loans, median costs $6,858
- 3.GUILD MORTGAGE COMPANY6.058%12 loans, median costs $3,932
- 4.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.125%104 loans, median costs $5,397
- 5.Rocket Mortgage, LLC6.125%47 loans, median costs $6,172
Among lenders with at least 10 closed refinance loans in Nevada County in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.
Lender by lender in Nevada
Every lender that closed at least 5 qualifying loans in Nevada County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 179 | 6.624% | $7,491 | $2,980 | $2,810 |
| 2 | THE LOAN STORE, INC.broker only | 119 | 6.49% | $5,376 | $1,715 | $1,061 |
| 3 | Rocket Mortgage, LLC | 42 | 6.625% | $5,852 | $2,992 | $3,921 |
| 4 | AMERICAN PACIFIC MORTGAGE CORPORATION | 37 | 6.875% | $5,521 | $2,718 | $1,941 |
| 5 | MOVEMENT MORTGAGE, LLC | 33 | 6.625% | $9,326 | $5,097 | $4,334 |
| 6 | GUILD MORTGAGE COMPANY | 32 | 6.625% | $6,513 | $2,532 | $4,230 |
| 7 | ALAMEDA MORTGAGE CORPORATION | 31 | 6.75% | $6,755 | $2,040 | $4,688 |
| 8 | CROSSCOUNTRY MORTGAGE, INC. | 25 | 6.625% | $6,036 | $2,095 | $3,990 |
| 9 | Sierra Pacific Mortgage Company, Inc. | 23 | 6.5% | $8,164 | $4,741 | $3,306 |
| 10 | PENNYMAC LOAN SERVICES, LLC | 21 | 6.624% | $4,963 | $1,984 | $2,659 |
| 11 | KIND LENDING, LLC | 17 | 6.625% | $7,666 | $2,637 | $3,162 |
| 12 | Synergy One Lending, Inc. | 15 | 6.75% | $9,688 | $5,714 | $4,850 |
| 13 | U.S. Bank National Association | 12 | 6.562% | $10,952 | $2,306 | $606 |
| 14 | JPMorgan Chase Bank, National Association | 11 | 6.5% | $7,926 | $1,880 | $5,094 |
| 15 | CMG MORTGAGE, INC. | 10 | 6.75% | $6,416 | $2,070 | $3,433 |
| 16 | Mortgage Research Center, LLC | 9 | 5.75% | $5,798 | $0 | $1,222 |
| 17 | Navy Federal Credit Union | 8 | 6.312% | $3,540 | $0 | n/a |
| 18 | OriginPoint, LLC | 8 | 6.75% | $5,408 | $1,663 | $205 |
| 19 | GUARANTEED RATE, INC. | 8 | 6.475% | $4,460 | $1,640 | $618 |
| 20 | Paramount Residential Mortgage Group, Inc. | 7 | 6.5% | $11,857 | $8,430 | $12,943 |
| 21 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 7 | 6.49% | $10,816 | $3,877 | $1,567 |
| 22 | NEWREZ LLC | 7 | 6.25% | $11,000 | $1,950 | $816 |
| 23 | PLAZA HOME MORTGAGE, INC.broker only | 7 | 6.625% | $13,146 | $2,913 | $1,834 |
| 24 | Bank of America, National Association | 7 | 6.5% | $6,519 | $1,705 | $483 |
| 25 | Flagstar Bank, N.A. | 7 | 6.625% | $4,946 | $1,715 | $551 |
| 26 | Morgan Stanley Private Bank, National Association | 6 | 5.95% | $4,493 | $815 | n/a |
| 27 | FREEDOM MORTGAGE CORPORATION | 6 | 2.562% | $3,804 | $763 | $31 |
| 28 | UNION HOME MORTGAGE CORP. | 6 | 6.25% | $5,350 | $2,311 | $958 |
| 29 | BETTER MORTGAGE CORPORATION | 6 | 6.5% | $4,469 | $1,425 | $2,714 |
| 30 | Wells Fargo Bank, National Association | 6 | 5.812% | $5,967 | $2,167 | $6,144 |
| 31 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | 6.375% | $12,166 | $2,691 | $842 |
| 32 | AMERICAN FINANCIAL RESOURCES, INC. | 5 | 6.5% | $13,822 | $1,095 | $11,134 |
| 33 | CREDIT HUMAN FEDERAL CREDIT UNION | 5 | 8.4% | n/a | n/a | n/a |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Nevada figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Nevada County in 2025?
The median interest rate on closed home-purchase loans in Nevada County, California in 2025 was 6.624%, across 917 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.875%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.