CARSON CITY Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Carson City averaged 5.36% for the week of 2022-05-12, compared to the national average of 5.3% for the same period.

The average rate for the prior week (2022-05-05) was 5.53% and one month ago for the week of 2022-04-07, the average rate was 4.88%.

Carson City's average rate one year ago was 3.24%.

For refis of the same type during the week of 2022-05-12, the average rate was 5.46%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-12 5.3%
Carson City 30 Year Fixed Rate 2022-05-12 5.36%
Carson City 30 Year Fixed Rate Refi 2022-05-12 5.46%
Carson City 15 Year Fixed Rate 2022-05-12 4.73%
Carson City 15 Year Fixed Rate Refi 2022-05-12 4.59%
Carson City 30 Year FHA 2022-05-12 5.35%
Carson City 30 Year FHA Refi 2022-05-12 5.31%
Carson City 30 Year VA 2022-05-12 5.35%
Carson City 30 Year VA Refi 2022-05-12 5.07%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within CARSON CITY, NV.

CARSON CITY Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the CARSON CITY, NV market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
GUILD MORTGAGE COMPANY 275 3.27% $5,587
QUICKEN LOANS, LLC 188 3.03% $5,424
GREATER NEVADA LLC 120 3.23% $5,594
PRIMELENDING, A PLAINSCAPITAL COMPANY 86 3.31% $4,699
UNITED WHOLESALE MORTGAGE, LLC 65 3.01% $3,318
UNITED 56 3.17% $4,739
LOANDEPOT.COM, LLC 56 2.91% $4,225
AMERISAVE MORTGAGE CORPORATION 48 2.89% $3,542
Wells Fargo Bank 47 3.30% $3,472
BROKER SOLUTIONS, INC. 43 3.16% $5,512
Hometown Lenders, Inc. 42 3.06% $4,360
MOVEMENT MORTGAGE, LLC 41 3.13% $3,364
FINANCE OF AMERICA MORTGAGE LLC 39 3.26% $4,692
EAGLE HOME MORTGAGE, LLC 34 3.12% $4,236
U.S. Bank 33 3.14% $4,422
Sierra Pacific Mortgage Company, Inc. 30 3.17% $5,182
ALL WESTERN MORTGAGE, INC. 26 3.66% $4,078
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 25 3.16% $5,214
MUTUAL OF OMAHA MORTGAGE, INC. 21 3.02% $3,798
Mr. Cooper ( Nationstar Mortgage ) 21 3.26% $4,448
Bank of America 20 3.09% $3,292
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 20 3.10% $4,502
CALIBER HOME LOANS, INC. 19 3.16% $3,738
SUMMIT FUNDING, INC. 18 3.23% $6,809
FREEDOM MORTGAGE CORPORATION 17 3.15% $1,898
JPMorgan Chase Bank 15 2.98% $3,362
Northpointe Bank 15 3.48% $4,698
CROSSCOUNTRY MORTGAGE, LLC 14 3.24% $4,998
HOME POINT FINANCIAL CORPORATION 14 3.08% $5,511
Flagstar Bank, FSB 14 3.31% $4,208
NEWREZ LLC 13 3.21% $4,304
PENNYMAC LOAN SERVICES, LLC 12 3.02% $4,777
DIGNIFIED HOME LOANS, LLC 11 3.31% $5,115
SYNERGY HOME MORTGAGE, LLC 10 3.38% $3,521
Zions Bancorporation, N.A. 9 2.86% $3,988
Wolfe Financial, Inc 9 2.97% $4,032
BAY EQUITY LLC 9 3.01% $6,313
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 8 3.31% $3,492
LADERA LENDING, INC. 7 3.00% $4,337
Paramount Residential Mortgage Group, Inc. 7 3.16% $3,877
North American Savings Bank, F.S.B. 7 2.77% $4,120
Bank of the West 7 3.27% $4,190
NBKC BANK 7 2.91% $3,465
AMERICAN FINANCIAL NETWORK, INC. 7 3.07% $7,609
InterContinental Capital Group, Inc 7 3.16% $4,466
Umpqua Bank 6 3.06% $6,265
FirstBank 6 2.92% $1,894
MASON MCDUFFIE MORTGAGE CORPORATION 6 3.08% $6,129
CALCON MUTUAL MORTGAGE LLC 6 3.17% $4,601
GUARANTEED RATE, INC. 6 3.19% $5,105
CELEBRITY HOME LOANS, LLC 6 3.56% $4,584
Commerce Home Mortgage, Inc. 5 4.25% $4,420
INFINITY EQUITY GROUP, INC. 5 3.02% $3,931
Gateway First Bank 5 3.43% $3,087
ISERVE RESIDENTIAL LENDING, LLC 5 3.10% $5,132
Watermark Capital, Inc. 5 2.87% $3,673
LAKEVIEW LOAN SERVICING, LLC 4 3.46% $2,475
PREMIER MORTGAGE RESOURCES, L.L.C. 4 3.41% $5,124
PRIMARY RESIDENTIAL MORTGAGE, INC. 4 3.44% $4,831
IMPAC MORTGAGE CORP. 4 2.97% $704
AXIA FINANCIAL, LLC 4 3.03% $3,681
INSPIRE HOME LOANS INC. 4 3.28% $2,608
LENDUS, LLC 4 3.37% $6,532
MOUNTAIN AMERICA 4 2.94% $5,639
CMG MORTGAGE, INC. 4 2.93% $6,436
S&S Financial 3 3.41% $3,743
Equity Prime Mortgage LLC 3 3.29% $4,006
NATIONS DIRECT MORTGAGE, LLC 3 3.08% $4,794
NAVY FEDERAL CREDIT UNION 3 3.33% $3,410
AMERICAN PACIFIC MORTGAGE CORPORATION 3 3.25% $3,366
DRAPER AND KRAMER MORTGAGE CORP. 3 3.45% $8,328
MANN FINANCIAL INC. 3 3.33% $8,038
PLANET HOME LENDING, LLC 3 3.33% $4,492
Wyndham Capital Mortgage, Inc. 3 2.88% $1,050
BNC National Bank 3 2.75% $2,634
KELLER MORTGAGE, LLC 3 3.13% $1,891
PROVIDENT FUNDING ASSOCIATES, L.P. 2 2.75% $2,605
SUN WEST MORTGAGE COMPANY, INC. 2 3.23% $3,054
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 3.06% $5,091
City National Bank 2 2.64% $4,049
ALAMEDA MORTGAGE CORPORATION 2 3.25% $6,860
ONY GLO, INC. 2 2.81% $2,514
TIAA, FSB 2 3.18% $4,023
STAR ONE CREDIT UNION 2 3.25% $2,398
ZILLOW HOME LOANS, LLC 2 2.88% $3,142
INTELLILOAN, INC. 2 2.88% $7,884
Citibank 2 2.50% $6,150
ROUNDPOINT MORTGAGE SERVICING CORPORATION 2 3.13% $3,312
HOMEOWNERS FINANCIAL GROUP USA, LLC 2 3.00% $2,919
RESIDENTIAL BANCORP. 2 3.31% $1,949
UBS Bank USA 1 2.38% $3,212
East West Bank 1 4.25% $2,046
El Dorado Savings Bank, F.S.B. 1 3.13% $2,341
EVERETT FINANCIAL, INC. 1 3.38% $2,452
Colten Mortgage, LLC 1 3.13% $6,008
Colonial Savings, F.A. 1 3.00% $1,573
First Federal Bank 1 3.25% $7,796
First Guaranty Mortgage Corporation 1 3.75% $3,774
First Home Bank 1 3.38% $8,732
First National Bank 1 2.38% $5,025
First National Bank of America 1 6.75% $18,169
First Option Mortgage, LLC 1 3.13% $6,645
First Savings Bank 1 3.13% $11,829
Florida Capital Bank 1 3.00% $3,265
CITYWIDE HOME LOANS, LLC 1 3.13% $7,089
Fremont Bank 1 3.25% $495
Glacier Bank 1 3.50% $10,529
Great Basin Federal Credit Union 1 3.12% $4,862
Citizens Bank 1 3.00% $3,812
Citadel Servicing Corporation 1 6.13% $14,237
INTERNATIONAL CITY MORTGAGE, INC. 1 3.38% $5,222
Charles Schwab Bank, SSB 1 2.55% $2,661
KeyBank 1 2.75% $5,746
LOANPAL, LLC 1 2.99% $8,269
Magnolia Bank 1 3.13% $3,385
Manufacturers and Traders Trust Company 1 3.25% $2,588
Mortgage Research Center, LLC 1 2.75% $4,009
Carrington Mortgage Services, LLC 1 3.00% $6,662
CANOPY MORTGAGE, LLC 1 2.99% $1,490
NORTHROP GRUMMAN Federal Credit Union 1 2.88% $2,427
NP, Inc. 1 2.75% $3,968
PINNACLE LENDING GROUP, INC. 1 3.49% $5,585
Axos Bank 1 2.75% $1,640
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 1 3.25% $15,880
S1L, Inc. 1 3.63% $4,861
SEA WEST COAST GUARD FEDERAL CREDIT UNION 1 2.74% $3,704
SEVERN SAVINGS BANK, FSB DBA SEVERN BANK 1 3.13% $3,512
Arvest Bank 1 3.38% $5,993
SNAPFI, INC. 1 2.88% $2,361
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 4.38% $7,300
Sunflower Bank 1 3.25% $2,626
SWBC MORTGAGE CORPORATION 1 4.25% $8,049
THRIVENT Federal Credit Union 1 3.00% $2,915
TOP FLITE FINANCIAL, INC. 1 2.88% $9,852
DATA MORTGAGE, INC. 1 4.99% $8,978
AMERICAN INTERNET MORTGAGE, INC. 1 2.63% $3,621
UNIVERSAL MORTGAGE & FINANCE, INC. 1 3.25% $5,892
Utah Mortgage Loan Corporation 1 3.00% $4,559
VAN DYK MORTGAGE CORPORATION 1 2.88% $4,849
Allied First Bank,sb 1 2.50% $2,934

CARSON CITY, NV's 140 lenders originated 3,071 loans during 2021. The total origination value was $1,003,015,000, with an average loan value of $326,609.

The top CARSON CITY lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 275 loans originated. Their average total fees are $5,587, which is $163 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee CARSON CITY lenders (with over 10 loans originated) are FREEDOM MORTGAGE CORPORATION ($1,898), Bank of America ($3,292), UNITED WHOLESALE MORTGAGE, LLC ($3,318), JPMorgan Chase Bank ($3,362) and MOVEMENT MORTGAGE, LLC ($3,364).

The lowest rate CARSON CITY lenders (with over 10 loans originated) are AMERISAVE MORTGAGE CORPORATION (2.89%), LOANDEPOT.COM, LLC (2.91%), JPMorgan Chase Bank (2.98%), UNITED WHOLESALE MORTGAGE, LLC (3.01%) and PENNYMAC LOAN SERVICES, LLC (3.02%).

CARSON CITY, NV Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
GUILD MORTGAGE COMPANY $95,275,000 $124,655,000 30.8% 12.4%
Wells Fargo Bank $20,340,000 $93,455,000 359.5% 9.3%
QUICKEN LOANS, LLC $89,750,000 $78,030,000 -13.1% 7.8%
GREATER NEVADA LLC $51,580,000 $41,365,000 -19.8% 4.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $48,930,000 $32,335,000 -33.9% 3.2%
UNITED WHOLESALE MORTGAGE, LLC $24,090,000 $29,525,000 22.6% 2.9%
LOANDEPOT.COM, LLC $17,810,000 $27,700,000 55.5% 2.8%
FREEDOM MORTGAGE CORPORATION $32,455,000 $25,895,000 -20.2% 2.6%
UNITED $16,970,000 $23,320,000 37.4% 2.3%
PNC Bank $500,000 $19,060,000 3,712.0% 1.9%
BROKER SOLUTIONS, INC. $27,790,000 $18,980,000 -31.7% 1.9%
MOVEMENT MORTGAGE, LLC $18,110,000 $18,595,000 2.7% 1.9%
FINANCE OF AMERICA MORTGAGE LLC $22,465,000 $18,310,000 -18.5% 1.8%
U.S. Bank $17,810,000 $17,720,000 -0.5% 1.8%
Hometown Lenders, Inc. $16,405,000 $17,545,000 6.9% 1.7%
AMERISAVE MORTGAGE CORPORATION $9,440,000 $17,240,000 82.6% 1.7%
EAGLE HOME MORTGAGE, LLC $20,685,000 $17,045,000 -17.6% 1.7%
PENNYMAC LOAN SERVICES, LLC $12,820,000 $16,180,000 26.2% 1.6%
CALIBER HOME LOANS, INC. $9,020,000 $11,410,000 26.5% 1.1%
Sierra Pacific Mortgage Company, Inc. $15,045,000 $11,280,000 -25.0% 1.1%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $6,310,000 $10,525,000 66.8% 1.0%
Mr. Cooper ( Nationstar Mortgage ) $8,840,000 $10,390,000 17.5% 1.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $3,350,000 $10,225,000 205.2% 1.0%
ALL WESTERN MORTGAGE, INC. $1,105,000 $10,220,000 824.9% 1.0%
MUTUAL OF OMAHA MORTGAGE, INC. $7,180,000 $9,995,000 39.2% 1.0%
Mortgage Research Center, LLC $7,260,000 $9,655,000 33.0% 1.0%
SUMMIT FUNDING, INC. $4,680,000 $9,415,000 101.2% 0.9%
Bank of the West $2,360,000 $8,250,000 249.6% 0.8%
JPMorgan Chase Bank $3,945,000 $8,030,000 103.5% 0.8%
Bank of America $4,615,000 $7,825,000 69.6% 0.8%
NORTHMARQ CAPITAL FINANCE, L.L.C. $7,325,000 n/a 0.7%
CROSSCOUNTRY MORTGAGE, LLC $3,690,000 $7,010,000 90.0% 0.7%
Zions Bancorporation, N.A. $3,595,000 $6,375,000 77.3% 0.6%
Northpointe Bank $1,890,000 $6,130,000 224.3% 0.6%
WALKER & DUNLOP, LLC $6,015,000 n/a 0.6%
NEWREZ LLC $3,955,000 $5,950,000 50.4% 0.6%
Tri Counties Bank $5,910,000 n/a 0.6%
First Republic Bank $5,260,000 n/a 0.5%
DIGNIFIED HOME LOANS, LLC $1,965,000 $5,090,000 159.0% 0.5%
HOME POINT FINANCIAL CORPORATION $5,810,000 $4,910,000 -15.5% 0.5%
Flagstar Bank, FSB $8,750,000 $4,765,000 -45.5% 0.5%
LAKEVIEW LOAN SERVICING, LLC $1,990,000 $4,665,000 134.4% 0.5%
GUARANTEED RATE, INC. $2,660,000 $4,490,000 68.8% 0.4%
NBKC BANK $3,370,000 $4,265,000 26.6% 0.4%
SYNERGY HOME MORTGAGE, LLC $4,640,000 $4,195,000 -9.6% 0.4%
SUN WEST MORTGAGE COMPANY, INC. $1,670,000 $4,030,000 141.3% 0.4%
CELEBRITY HOME LOANS, LLC $1,085,000 $3,920,000 261.3% 0.4%
NAVY FEDERAL CREDIT UNION $2,530,000 $3,640,000 43.9% 0.4%
BAY EQUITY LLC $2,930,000 $3,585,000 22.4% 0.4%
ISERVE RESIDENTIAL LENDING, LLC $3,410,000 $3,465,000 1.6% 0.3%
CLEARPATH LENDING $7,110,000 $3,380,000 -52.5% 0.3%
Paramount Residential Mortgage Group, Inc. $1,730,000 $3,240,000 87.3% 0.3%
PRUDENTIAL MULTIFAMILY MORTGAGE, LLC $3,225,000 n/a 0.3%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $2,165,000 $3,090,000 42.7% 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $5,160,000 $3,075,000 -40.4% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $930,000 $2,875,000 209.1% 0.3%
USAA Federal Savings Bank $3,535,000 $2,870,000 -18.8% 0.3%
CALCON MUTUAL MORTGAGE LLC $3,010,000 $2,835,000 -5.8% 0.3%
InterContinental Capital Group, Inc $1,525,000 $2,820,000 84.9% 0.3%
Wolfe Financial, Inc $1,510,000 $2,745,000 81.8% 0.3%
Umpqua Bank $2,585,000 $2,740,000 6.0% 0.3%
AMERICAN ADVISORS GROUP $945,000 $2,720,000 187.8% 0.3%
Gateway First Bank $3,725,000 $2,715,000 -27.1% 0.3%
IMPAC MORTGAGE CORP. $845,000 $2,715,000 221.3% 0.3%
North American Savings Bank, F.S.B. $2,980,000 $2,595,000 -12.9% 0.3%
MASON MCDUFFIE MORTGAGE CORPORATION $895,000 $2,425,000 170.9% 0.2%
MOUNTAIN AMERICA $1,990,000 $2,365,000 18.8% 0.2%
FINANCE OF AMERICA REVERSE LLC $690,000 $2,235,000 223.9% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $3,035,000 $2,165,000 -28.7% 0.2%
LENDINGHOME FUNDING CORPORATION $305,000 $2,120,000 595.1% 0.2%
First Northern Bank of Dixon $2,105,000 n/a 0.2%
FirstBank $1,770,000 $2,095,000 18.4% 0.2%
PLANET HOME LENDING, LLC $1,310,000 $2,060,000 57.3% 0.2%
AMERICAN FINANCIAL NETWORK, INC. $1,370,000 $2,040,000 48.9% 0.2%
REVERSE MORTGAGE FUNDING LLC $215,000 $1,995,000 827.9% 0.2%
LENDUS, LLC $2,520,000 $1,940,000 -23.0% 0.2%
City National Bank $3,350,000 $1,900,000 -43.3% 0.2%
CMG MORTGAGE, INC. $4,125,000 $1,850,000 -55.2% 0.2%
Watermark Capital, Inc. $1,890,000 $1,850,000 -2.1% 0.2%
BNC National Bank $1,790,000 n/a 0.2%
PREMIER MORTGAGE RESOURCES, L.L.C. $370,000 $1,785,000 382.4% 0.2%
Barrington Bank & Trust Company, N.A. $1,645,000 n/a 0.2%
Magnolia Bank $1,070,000 $1,610,000 50.5% 0.2%
LADERA LENDING, INC. $2,455,000 $1,605,000 -34.6% 0.2%
ORANGE COUNTY'S CREDIT UNION $1,605,000 n/a 0.2%
Equity Prime Mortgage LLC $1,375,000 $1,585,000 15.3% 0.2%
Carrington Mortgage Services, LLC $1,445,000 $1,580,000 9.3% 0.2%
Wyndham Capital Mortgage, Inc. $1,535,000 n/a 0.2%
MANN FINANCIAL INC. $810,000 $1,510,000 86.4% 0.2%
BM Real Estate Services, Inc. $1,470,000 n/a 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $2,600,000 $1,465,000 -43.7% 0.1%
Glacier Bank $2,345,000 $1,450,000 -38.2% 0.1%
AXIA FINANCIAL, LLC $2,330,000 $1,410,000 -39.5% 0.1%
INFINITY EQUITY GROUP, INC. $745,000 $1,405,000 88.6% 0.1%
KELLER MORTGAGE, LLC $905,000 $1,320,000 45.9% 0.1%
INSPIRE HOME LOANS INC. $805,000 $1,290,000 60.2% 0.1%
TIAA, FSB $420,000 $1,290,000 207.1% 0.1%
NEW DAY FINANCIAL, LLC $1,270,000 $1,110,000 -12.6% 0.1%
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY $640,000 $1,105,000 72.7% 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $1,445,000 $1,100,000 -23.9% 0.1%
S&S Financial $375,000 $1,075,000 186.7% 0.1%
El Dorado Savings Bank, F.S.B. $725,000 $1,065,000 46.9% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $1,280,000 $1,005,000 -21.5% 0.1%
Citadel Servicing Corporation $940,000 n/a 0.1%
Fremont Bank $535,000 $930,000 73.8% 0.1%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $905,000 n/a 0.1%
EVERETT FINANCIAL, INC. $1,915,000 $885,000 -53.8% 0.1%
Farmers Bank & Trust $435,000 $870,000 100.0% 0.1%
HighTechLending Inc $325,000 $855,000 163.1% 0.1%
NATIONS DIRECT MORTGAGE, LLC $880,000 $855,000 -2.8% 0.1%
LOANPAL, LLC $515,000 $780,000 51.5% 0.1%
21ST MORTGAGE CORPORATION $485,000 $765,000 57.7% 0.1%
Low VA Rates, LLC $1,410,000 $740,000 -47.5% 0.1%
Cornerstone First Mortgage, Inc $730,000 n/a 0.1%
CIVIC FINANCIAL SERVICES, LLC $175,000 $720,000 311.4% 0.1%
CHEVRON $660,000 n/a 0.1%
INTELLILOAN, INC. $480,000 $660,000 37.5% 0.1%
ANGEL OAK HOME LOANS LLC $650,000 n/a 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $2,975,000 $650,000 -78.2% 0.1%
Commerce Home Mortgage, Inc. $2,230,000 $635,000 -71.5% 0.1%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $620,000 n/a 0.1%
KeyBank $1,080,000 $605,000 -44.0% 0.1%
UBS Bank USA $605,000 n/a 0.1%
ONY GLO, INC. $600,000 n/a 0.1%
Citizens Bank $295,000 $595,000 101.7% 0.1%
ALLIANT CREDIT UNION $590,000 n/a 0.1%
DATA MORTGAGE, INC. $575,000 n/a 0.1%
CANOPY MORTGAGE, LLC $900,000 $565,000 -37.2% 0.1%
CITYWIDE HOME LOANS, LLC $235,000 $545,000 131.9% 0.1%
VAN DYK MORTGAGE CORPORATION $535,000 n/a 0.1%
ALAMEDA MORTGAGE CORPORATION $315,000 $530,000 68.3% 0.1%
SNAPFI, INC. $530,000 n/a 0.1%
HOMEOWNERS FINANCIAL GROUP USA, LLC $520,000 n/a 0.1%
Charles Schwab Bank, SSB $125,000 $515,000 312.0% 0.1%
Arvest Bank $630,000 $510,000 -19.0% 0.1%
ZILLOW HOME LOANS, LLC $500,000 n/a 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $485,000 n/a 0.0%
Great Basin Federal Credit Union $480,000 n/a 0.0%
First National Bank of America $295,000 $475,000 61.0% 0.0%
HOMEXPRESS MORTGAGE CORP. $475,000 n/a 0.0%
Platinum Home Mortgage Corporation $475,000 n/a 0.0%
LONGBRIDGE FINANCIAL, LLC $235,000 $470,000 100.0% 0.0%
QUORUM FEDERAL CREDIT UNION $465,000 n/a 0.0%
RESIDENTIAL BANCORP. $460,000 n/a 0.0%
OCMBC, INC. $455,000 n/a 0.0%
SILVER STATE SCHOOLS SERVICE COMPANY, LLC $455,000 n/a 0.0%
STAR ONE CREDIT UNION $255,000 $450,000 76.5% 0.0%
GUARANTEED RATE AFFINITY, LLC $860,000 $445,000 -48.3% 0.0%
The Federal Savings Bank $3,335,000 $440,000 -86.8% 0.0%
MID AMERICA MORTGAGE, INC. $560,000 $430,000 -23.2% 0.0%
NP, Inc. $430,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $415,000 n/a 0.0%
INTERNATIONAL CITY MORTGAGE, INC. $665,000 $405,000 -39.1% 0.0%
LANTZMAN MANAGEMENT, INC. $540,000 $405,000 -25.0% 0.0%
Colten Mortgage, LLC $390,000 n/a 0.0%
First Guaranty Mortgage Corporation $1,535,000 $385,000 -74.9% 0.0%
First Savings Bank $830,000 $385,000 -53.6% 0.0%
ACADEMY MORTGAGE CORPORATION $315,000 $370,000 17.5% 0.0%
AMERICAN INTERNET MORTGAGE, INC. $1,125,000 $365,000 -67.6% 0.0%
CHERRY CREEK MORTGAGE, LLC $315,000 $315,000 0.0% 0.0%
First National Bank $315,000 n/a 0.0%
Cf Bank $255,000 $305,000 19.6% 0.0%
Starion Bank $305,000 n/a 0.0%
Utah Mortgage Loan Corporation $305,000 n/a 0.0%
Citibank $965,000 $300,000 -68.9% 0.0%
PHH Mortgage Corporation $440,000 $300,000 -31.8% 0.0%
SEA WEST COAST GUARD FEDERAL CREDIT UNION $295,000 n/a 0.0%
Axos Bank $255,000 $285,000 11.8% 0.0%
NORTHROP GRUMMAN Federal Credit Union $285,000 n/a 0.0%
S1L, Inc. $275,000 n/a 0.0%
East West Bank $255,000 n/a 0.0%
MERIWEST $15,000 $255,000 1,600.0% 0.0%
Nations Lending Corporation $555,000 $255,000 -54.1% 0.0%
WESTERN EXPRESS LENDING $255,000 $255,000 0.0% 0.0%
PINNACLE LENDING GROUP, INC. $245,000 n/a 0.0%
PLAZA HOME MORTGAGE, INC. $355,000 $245,000 -31.0% 0.0%
First Home Bank $500,000 $235,000 -53.0% 0.0%
Florida Capital Bank $235,000 n/a 0.0%
First Federal Bank $470,000 $225,000 -52.1% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $215,000 n/a 0.0%
Colonial Savings, F.A. $215,000 n/a 0.0%
First Option Mortgage, LLC $205,000 n/a 0.0%
Sunflower Bank $515,000 $205,000 -60.2% 0.0%
SWBC MORTGAGE CORPORATION $205,000 n/a 0.0%
NBH Bank $195,000 $195,000 0.0% 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $195,000 n/a 0.0%
UNIVERSAL MORTGAGE & FINANCE, INC. $325,000 $185,000 -43.1% 0.0%
Firefighters First Federal Credit Union $975,000 $175,000 -82.1% 0.0%
THRIVENT Federal Credit Union $175,000 n/a 0.0%
Allied First Bank,sb $165,000 n/a 0.0%
MLD MORTGAGE INC. $165,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $235,000 $165,000 -29.8% 0.0%
MUFG Union Bank $190,000 $155,000 -18.4% 0.0%
SOFI LENDING CORP. $155,000 n/a 0.0%
SEVERN SAVINGS BANK, FSB DBA SEVERN BANK $145,000 n/a 0.0%
Discover Bank $535,000 $130,000 -75.7% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $120,000 n/a 0.0%
Manufacturers and Traders Trust Company $115,000 n/a 0.0%
WINGS FINANCIAL $105,000 n/a 0.0%
FBC MORTGAGE, LLC $95,000 n/a 0.0%
Figure Lending LLC $105,000 $95,000 -9.5% 0.0%

CARSON CITY's top lender by overall market share is GUILD MORTGAGE COMPANY, with 12.4% market share. In second place, with 9.3%, is Wells Fargo Bank, having originated $93,455,000 in loans. In third place, with 7.8%, is QUICKEN LOANS, LLC, having originated $78,030,000 in loans. In third place, with 4.1%, is GREATER NEVADA LLC, having originated $41,365,000 in loans. In third place, with 3.2%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $32,335,000 in loans.


CARSON CITY, NV Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 1,223 $398,805,000 $326,087
Home Purchase 906 $350,150,000 $386,479
Cash Out Refi 799 $231,005,000 $289,118
Home Improvement 100 $15,970,000 $159,700
Other 43 $7,085,000 $164,767

Carson City's most frequently cited loan purpose was Refi, with 1,223 originations. The 2nd most popular reason was Home Purchase, with 906 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,248 $359,660,000 $288,189
3-4% 1,167 $465,275,000 $398,693
<2.5% 488 $130,910,000 $268,258
4-5% 120 $32,680,000 $272,333
Over 8% 12 $1,870,000 $155,833
5-6% 12 $3,810,000 $317,500
7-8% 12 $2,370,000 $197,500
6-7% 7 $2,735,000 $390,714

During 2021, Carson City's most frequently originated rate bucket was 2.5-3%, with 1,248 originations.

Loan Sizing (CARSON CITY, NV MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,753 $509,225,000 $290,488
$100k-200k 607 $94,195,000 $155,181
$400k-600k 459 $217,785,000 $474,477
$100,000 or less 177 $9,755,000 $55,113
$600k-1000k 54 $38,290,000 $709,074
$Over $1MM 21 $133,765,000 $6,369,762

CARSON CITY's loan sizing saw the bucket of loans from $200k-400k with 1,753 originations, totaling $509,225,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 1,019 $431,545,000 $423,499
40-60% 749 $206,305,000 $275,441
80-100% 732 $265,680,000 $362,951
20-40% 313 $52,645,000 $168,195
Under 20% 126 $6,500,000 $51,587
Over 100% 20 $7,670,000 $383,500

CARSON CITY's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,019 originations, totaling $431,545,000 in origination value.