What people paid for mortgages in Washoe County, NV (2025)
Across 4,860 closed home-purchase loans in 2025, the median interest rate in Washoe was 6.375%, and the middle half of borrowers got between 5.875% and 6.75%. Median total loan costs ran $8,410 on a median loan of $445,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.375%
- Middle half of rates
- 5.875%–6.75%
- Median total loan costs
- $8,410
- Median loan amount
- $445,000
4,860 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.625%
- Median total loan costs
- $7,340
- Median loan amount
- $395,000
1,764 loans, 2025.
Lowest median rates in Washoe (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.DHI MORTGAGE COMPANY, LTD.4.99%382 loans, median costs $7,380
- 2.LENNAR MORTGAGE, LLC4.99%208 loans, median costs $4,158
- 3.Loandepot.Com, LLC5.933%40 loans, median costs $6,048
- 4.Wells Fargo Bank, National Association6%33 loans, median costs $8,100
- 5.Navy Federal Credit Union6.062%30 loans, median costs $6,479
Among lenders with at least 30 closed purchase loans in Washoe County in 2025.
Refinance
- 1.Rocket Mortgage, LLC5.99%239 loans, median costs $8,425
- 2.UNITED FEDERAL CREDIT UNION5.99%37 loans, median costs $3,960
- 3.PENNYMAC LOAN SERVICES, LLC5.995%72 loans, median costs $7,442
- 4.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%196 loans, median costs $8,354
- 5.FREEDOM MORTGAGE CORPORATION6.125%99 loans, median costs $6,190
Among lenders with at least 30 closed refinance loans in Washoe County in 2025.
Lender by lender in Washoe
Every lender that closed at least 5 qualifying loans in Washoe 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 | GUILD MORTGAGE COMPANY | 642 | 6.625% | $11,130 | $5,656 | $5,673 |
| 2 | DHI MORTGAGE COMPANY, LTD. | 382 | 4.99% | $7,380 | $0 | $3,871 |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 382 | 6.499% | $9,771 | $3,882 | $3,562 |
| 4 | CROSSCOUNTRY MORTGAGE, INC. | 221 | 6.575% | $12,004 | $4,570 | $5,938 |
| 5 | LENNAR MORTGAGE, LLC | 208 | 4.99% | $4,158 | $1,590 | $10,044 |
| 6 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 165 | 6.625% | $10,424 | $6,488 | $5,376 |
| 7 | Rocket Mortgage, LLC | 156 | 6.375% | $8,454 | $3,199 | $4,627 |
| 8 | TOLL BROTHERS MORTGAGE COMPANY | 125 | 6.625% | $6,450 | $1,499 | $5,340 |
| 9 | PENNYMAC LOAN SERVICES, LLC | 119 | 6.375% | $7,178 | $2,225 | $2,518 |
| 10 | INFINITY EQUITY GROUP, LLC. | 111 | 6.5% | $6,154 | $3,075 | $3,329 |
| 11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 110 | 6.49% | $7,594 | $3,157 | $3,907 |
| 12 | GREATER NEVADA LLC | 107 | 6.375% | $4,712 | $1,590 | $1,720 |
| 13 | SUMMIT FUNDING, INC. | 98 | 6.375% | $13,306 | $7,132 | $9,446 |
| 14 | PREMIER MORTGAGE RESOURCES, L.L.C. | 97 | 6.375% | $10,055 | $5,634 | $5,984 |
| 15 | U.S. Bank National Association | 92 | 6.125% | $7,490 | $2,345 | $4,744 |
| 16 | CMG MORTGAGE, INC. | 88 | 6.5% | $10,102 | $5,400 | $4,499 |
| 17 | UNITED FEDERAL CREDIT UNION | 75 | 6.24% | $5,668 | $1,825 | $1,358 |
| 18 | Mortgage Research Center, LLC | 72 | 6.125% | $3,181 | $0 | $2,180 |
| 19 | Broker Solutions, Inc. | 71 | 6.625% | $12,725 | $4,845 | $5,411 |
| 20 | CANOPY MORTGAGE, LLC | 70 | 6.375% | $9,424 | $4,496 | $3,376 |
| 21 | THE LOAN STORE, INC.broker only | 69 | 6.49% | $7,869 | $3,588 | $3,794 |
| 22 | ISERVE RESIDENTIAL LENDING, LLC | 56 | 6.625% | n/a | n/a | n/a |
| 23 | Mortgage Right | 51 | 6.625% | $8,010 | $3,340 | $2,377 |
| 24 | Plains Commerce Bank | 43 | 6.5% | $8,851 | $4,175 | $2,880 |
| 25 | Loandepot.Com, LLC | 40 | 5.933% | $6,048 | $1,605 | $23,342 |
| 26 | KIND LENDING, LLC | 39 | 6.625% | $11,831 | $4,078 | $3,080 |
| 27 | MASON MCDUFFIE MORTGAGE CORPORATION | 39 | 6.75% | $7,493 | $2,550 | $3,175 |
| 28 | JPMorgan Chase Bank, National Association | 38 | 6.375% | $6,972 | $2,305 | $3,556 |
| 29 | AMERICAN FINANCIAL NETWORK, INC. | 37 | 6.625% | $11,605 | $7,421 | n/a |
| 30 | 21st Mortgage Corporation | 33 | 10.34% | $7,500 | $4,500 | n/a |
| 31 | Wells Fargo Bank, National Association | 33 | 6% | $8,100 | $2,676 | $5,158 |
| 32 | Bank of America, National Association | 31 | 6.125% | $5,531 | $1,591 | $746 |
| 33 | Gateway First Bank | 30 | 6.562% | $6,261 | $2,156 | $1,608 |
| 34 | Navy Federal Credit Union | 30 | 6.062% | $6,479 | $0 | $3,979 |
| 35 | GUARANTEED RATE, INC. | 30 | 6.375% | $9,325 | $3,880 | $4,497 |
| 36 | MOVEMENT MORTGAGE, LLC | 29 | 6.562% | $7,994 | $4,452 | $4,390 |
| 37 | BETTER MORTGAGE CORPORATION | 25 | 6.5% | $5,762 | $3,459 | $1,584 |
| 38 | Sierra Pacific Mortgage Company, Inc. | 24 | 6.625% | $8,871 | $5,586 | $2,737 |
| 39 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 24 | 6.625% | $6,753 | $4,364 | $2,836 |
| 40 | MLD MORTGAGE INC. | 22 | 6.438% | $8,946 | $4,522 | $5,917 |
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 Washoe figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Washoe County in 2025?
The median interest rate on closed home-purchase loans in Washoe County, Nevada in 2025 was 6.375%, across 4,860 first-lien, owner-occupied loans. The middle half of borrowers got between 5.875% 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.