What people paid for mortgages in Clark County, NV (2025)
Across 22,949 closed home-purchase loans in 2025, the median interest rate in Clark was 6.25%, and the middle half of borrowers got between 5.625% and 6.75%. Median total loan costs ran $8,434 on a median loan of $405,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.25%
- Middle half of rates
- 5.625%–6.75%
- Median total loan costs
- $8,434
- Median loan amount
- $405,000
22,949 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $7,685
- Median loan amount
- $365,000
8,882 loans, 2025.
Lowest median rates in Clark (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.HOMEAMERICAN MORTGAGE CORPORATION4.5%337 loans, median costs $5,035
- 2.LENNAR MORTGAGE, LLC4.75%1,223 loans, median costs $5,302
- 3.INSPIRE HOME LOANS INC.4.875%338 loans, median costs $5,152
- 4.DHI MORTGAGE COMPANY, LTD.4.99%1,327 loans, median costs $8,393
- 5.Taylor Morrison Home Funding, Inc.5.25%171 loans, median costs $5,209
Among lenders with at least 30 closed purchase loans in Clark County in 2025.
Refinance
- 1.Zions Bancorporation, N.A.5.49%101 loans, median costs $4,065
- 2.CLEARPATH LENDING5.625%43 loans, median costs $7,522
- 3.LoanUnited.com, LLC5.625%30 loans, median costs $9,784
- 4.GoodLeap, LLC5.75%131 loans, median costs $11,630
- 5.VILLAGE CAPITAL & INVESTMENT LLC5.75%103 loans, median costs $6,724
Among lenders with at least 30 closed refinance loans in Clark County in 2025.
Lender by lender in Clark
Every lender that closed at least 5 qualifying loans in Clark 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 | 2,230 | 6.489% | $10,696 | $4,179 | $3,442 |
| 2 | DHI MORTGAGE COMPANY, LTD. | 1,327 | 4.99% | $8,393 | $0 | $4,515 |
| 3 | GUILD MORTGAGE COMPANY | 1,243 | 6.25% | $10,520 | $4,034 | $5,131 |
| 4 | LENNAR MORTGAGE, LLC | 1,223 | 4.75% | $5,302 | $1,600 | $11,053 |
| 5 | KBHS HOME LOANS, LLC | 797 | 5.75% | $7,073 | $1,380 | $19,511 |
| 6 | Rocket Mortgage, LLC | 797 | 6.5% | $7,403 | $3,500 | $3,317 |
| 7 | PULTE MORTGAGE LLC | 667 | 5.5% | $176 | $0 | $12,836 |
| 8 | GUARANTEED RATE, INC. | 550 | 6.625% | $9,894 | $3,768 | $3,770 |
| 9 | Broker Solutions, Inc. | 475 | 6.5% | $11,644 | $4,862 | $5,357 |
| 10 | Mortgage Research Center, LLC | 469 | 6.25% | $4,972 | $0 | $1,990 |
| 11 | CROSSCOUNTRY MORTGAGE, INC. | 457 | 6.75% | $10,186 | $4,165 | $3,826 |
| 12 | CMG MORTGAGE, INC. | 450 | 6.5% | $12,578 | $4,668 | $4,463 |
| 13 | Loandepot.Com, LLC | 432 | 6.25% | $11,366 | $2,750 | $6,853 |
| 14 | PENNYMAC LOAN SERVICES, LLC | 411 | 6.375% | $8,608 | $2,110 | $2,655 |
| 15 | JPMorgan Chase Bank, National Association | 340 | 6.495% | $3,981 | $710 | $2,898 |
| 16 | INSPIRE HOME LOANS INC. | 338 | 4.875% | $5,152 | $1,500 | $10,552 |
| 17 | HOMEAMERICAN MORTGAGE CORPORATION | 337 | 4.5% | $5,035 | $0 | $7,854 |
| 18 | THE LOAN STORE, INC.broker only | 278 | 6.49% | $7,069 | $2,011 | $1,986 |
| 19 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 278 | 6.625% | $9,977 | $5,225 | $4,026 |
| 20 | Fairway Independent Mortgage Corporation | 268 | 6.625% | $9,497 | $3,657 | $3,598 |
| 21 | Navy Federal Credit Union | 266 | 6% | $3,896 | $0 | $3,968 |
| 22 | U.S. Bank National Association | 259 | 6.375% | $6,073 | $2,174 | $2,579 |
| 23 | Paramount Residential Mortgage Group, Inc. | 241 | 6.5% | $11,100 | $3,844 | $3,366 |
| 24 | CLM MORTGAGE, INC. | 238 | 5.99% | $7,360 | $1,950 | $9,914 |
| 25 | Bank of America, National Association | 234 | 5.875% | $4,755 | $1,680 | $4,350 |
| 26 | MOVEMENT MORTGAGE, LLC | 231 | 6.75% | $8,941 | $4,664 | $3,820 |
| 27 | SECURITYNATIONAL MORTGAGE COMPANY | 218 | 6.75% | $11,929 | $5,425 | $5,082 |
| 28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 210 | 6.625% | $9,846 | $5,169 | $3,942 |
| 29 | MORIA DEVELOPMENT, INC. | 209 | 7.25% | $14,444 | $5,232 | $4,330 |
| 30 | Zions Bancorporation, N.A. | 195 | 6.375% | $6,256 | $2,138 | $2,604 |
| 31 | ZILLOW HOME LOANS, LLC | 188 | 6.5% | $6,895 | $3,333 | $3,102 |
| 32 | Taylor Morrison Home Funding, Inc. | 171 | 5.25% | $5,209 | $101 | $7,658 |
| 33 | KIND LENDING, LLC | 168 | 6.5% | $10,862 | $2,885 | $2,235 |
| 34 | Tripointe Connect, LLC | 165 | 6% | $7,670 | $1,490 | $8,409 |
| 35 | Nations Lending Corporation | 151 | 6.5% | $5,011 | $250 | $3,235 |
| 36 | MUTUAL OF OMAHA MORTGAGE, INC. | 148 | 6.375% | $7,538 | $2,397 | $2,964 |
| 37 | SILVER STATE SCHOOLS SERVICE COMPANY, LLC | 146 | 5.75% | $3,793 | $950 | $3,895 |
| 38 | CANOPY MORTGAGE, LLC | 141 | 6.625% | $14,800 | $4,855 | $3,824 |
| 39 | V.I.P. MORTGAGE, INC. | 140 | 6.75% | $10,229 | $4,211 | $3,688 |
| 40 | 21st Mortgage Corporation | 139 | 11.1% | $6,940 | $4,132 | 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 Clark figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Clark County in 2025?
The median interest rate on closed home-purchase loans in Clark County, Nevada in 2025 was 6.25%, across 22,949 first-lien, owner-occupied loans. The middle half of borrowers got between 5.625% and 6.75%.
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.