CARSON CITY Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Carson City averaged
6.15%
for the week of 2024-10-10, compared to the national average of
6.32% for the same period.
The average rate for the prior week (2024-10-03) was
6.25% and
one month ago for the week of 2024-09-05, the
average rate was 6.08%.
Carson City's average rate one year ago was 7.42%.
For refis of the same type during the week of 2024-10-10, the average rate
was 6.92%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-10-10 | 6.32% |
| Carson City 30 Year Fixed Rate | 2024-10-10 | 6.15% |
| Carson City 30 Year Fixed Rate Refi | 2024-10-10 | 6.92% |
| Carson City 15 Year Fixed Rate | 2024-10-10 | 5.61% |
| Carson City 15 Year Fixed Rate Refi | 2024-10-10 | 5.81% |
| Carson City 30 Year FHA | 2024-10-10 | 5.81% |
| Carson City 30 Year FHA Refi | 2024-10-10 | 6.3% |
| Carson City 30 Year VA | 2024-10-10 | 5.95% |
| Carson City 30 Year VA Refi | 2024-10-10 | 5.95% |
CARSON CITY Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, 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.).
CARSON CITY Average Closing Costs & Other Stats
CARSON CITY, NV's 81 lenders originated 861
loans during 2023. The total origination value was $253,505,000, with an average loan value of
$294,431.
CARSON CITY's average closing costs are $6,035.
The top CARSON CITY lender as defined by loan originations is GUILD MORTGAGE COMPANY, with
60 loans originated. Their average total fees are
$10,699, which is $1,888
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee CARSON CITY lenders (with over 10 loans originated) are
GREATER NEVADA LLC ($4,836), UNITED ($7,540), CROSSCOUNTRY MORTGAGE, LLC ($7,770), QUICKEN LOANS, LLC ($7,964) and EAGLE HOME MORTGAGE, LLC ($7,988).
The lowest rate CARSON CITY lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (5.51%), UNITED (6.08%), U.S. Bank (6.41%), GREATER NEVADA LLC (6.56%) and CROSSCOUNTRY MORTGAGE, LLC (6.58%).
CARSON CITY, NV Mortgage 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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | $59,855,000 | $37,625,000 | -37.1% | 14.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $20,730,000 | $17,975,000 | -13.3% | 7.1% |
| QUICKEN LOANS, LLC | $30,795,000 | $14,345,000 | -53.4% | 5.7% |
| EAGLE HOME MORTGAGE, LLC | $13,025,000 | $13,095,000 | 0.5% | 5.2% |
| UNITED | $17,335,000 | $11,735,000 | -32.3% | 4.6% |
| GREATER NEVADA LLC | $20,915,000 | $10,870,000 | -48.0% | 4.3% |
| Glacier Bank | $3,600,000 | $9,230,000 | 156.4% | 3.6% |
| U.S. Bank | $16,450,000 | $8,660,000 | -47.4% | 3.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $14,730,000 | $7,540,000 | -48.8% | 3.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $3,780,000 | $7,275,000 | 92.5% | 2.9% |
| CROSSCOUNTRY MORTGAGE, LLC | $6,650,000 | $7,220,000 | 8.6% | 2.8% |
| Tri Counties Bank | $4,805,000 | n/a | 1.9% | |
| SUMMIT FUNDING, INC. | $6,710,000 | $4,245,000 | -36.7% | 1.7% |
| JPMorgan Chase Bank | $2,930,000 | $4,150,000 | 41.6% | 1.6% |
| Zions Bank | $4,035,000 | $3,555,000 | -11.9% | 1.4% |
| MOVEMENT MORTGAGE, LLC | $6,550,000 | $3,505,000 | -46.5% | 1.4% |
| Bank of America | $4,110,000 | $3,090,000 | -24.8% | 1.2% |
| AXIA FINANCIAL, LLC | $1,915,000 | $3,065,000 | 60.1% | 1.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,490,000 | $2,945,000 | 18.3% | 1.2% |
| LOANDEPOT.COM, LLC | $8,435,000 | $2,810,000 | -66.7% | 1.1% |
| Arbor Realty Trust, Inc. | $2,705,000 | n/a | 1.1% | |
| CARDINAL FINANCIAL | $1,750,000 | $2,595,000 | 48.3% | 1.0% |
| Mortgage Research Center, LLC | $3,405,000 | $1,960,000 | -42.4% | 0.8% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $2,085,000 | $1,920,000 | -7.9% | 0.8% |
| BROKER SOLUTIONS, INC. | $7,930,000 | $1,915,000 | -75.9% | 0.8% |
| Wells Fargo Bank | $7,850,000 | $1,915,000 | -75.6% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $2,740,000 | $1,780,000 | -35.0% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $7,490,000 | $1,655,000 | -77.9% | 0.7% |
| Gateway First Bank | $1,915,000 | $1,640,000 | -14.4% | 0.6% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $3,335,000 | $1,605,000 | -51.9% | 0.6% |
| NFM, INC. | $345,000 | $1,480,000 | 329.0% | 0.6% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $2,400,000 | $1,465,000 | -39.0% | 0.6% |
| ISERVE RESIDENTIAL LENDING, LLC | $1,400,000 | $1,380,000 | -1.4% | 0.5% |
| PENNYMAC LOAN SERVICES, LLC | $6,435,000 | $1,315,000 | -79.6% | 0.5% |
| USAA Federal Savings Bank | $730,000 | $1,305,000 | 78.8% | 0.5% |
| Prosperity Home Mortgage, LLC | $1,275,000 | n/a | 0.5% | |
| The Loan Store, Inc. | $1,240,000 | n/a | 0.5% | |
| TJC Mortgage, Inc. | $1,225,000 | n/a | 0.5% | |
| CALCON MUTUAL MORTGAGE LLC | $1,045,000 | $1,200,000 | 14.8% | 0.5% |
| The Federal Savings Bank | $1,350,000 | $1,130,000 | -16.3% | 0.4% |
| Paramount Residential Mortgage Group, Inc. | $560,000 | $1,125,000 | 100.9% | 0.4% |
| Morgan Stanley Private Bank | $375,000 | $1,070,000 | 185.3% | 0.4% |
| BAY EQUITY LLC | $3,435,000 | $1,040,000 | -69.7% | 0.4% |
| Plains Commerce Bank | $1,015,000 | n/a | 0.4% | |
| NBKC BANK | $495,000 | $1,010,000 | 104.0% | 0.4% |
| First National Bank of America | $1,000,000 | n/a | 0.4% | |
| American Mortgage & Equity Consultants, Inc. | $990,000 | n/a | 0.4% | |
| FINANCE OF AMERICA REVERSE LLC | $1,425,000 | $985,000 | -30.9% | 0.4% |
| PENTAGON FEDERAL CREDIT UNION | $1,140,000 | $980,000 | -14.0% | 0.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $355,000 | $965,000 | 171.8% | 0.4% |
| ACADEMY MORTGAGE CORPORATION | $960,000 | n/a | 0.4% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $305,000 | $945,000 | 209.8% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,940,000 | $935,000 | -51.8% | 0.4% |
| AmeriHome Mortgage Company, LLC | $470,000 | $895,000 | 90.4% | 0.4% |
| FIRST COMMUNITY MORTGAGE, INC. | $865,000 | n/a | 0.3% | |
| Citadel Servicing Corporation | $515,000 | $850,000 | 65.0% | 0.3% |
| CMG MORTGAGE, INC. | $530,000 | $800,000 | 50.9% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $560,000 | $790,000 | 41.1% | 0.3% |
| Flagstar Bank, FSB | $795,000 | $770,000 | -3.1% | 0.3% |
| Charles Schwab Bank, SSB | $755,000 | n/a | 0.3% | |
| FIRST MORTGAGE COMPANY, INC. | $725,000 | n/a | 0.3% | |
| Carrington Mortgage Services, LLC | $305,000 | $660,000 | 116.4% | 0.3% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $155,000 | $660,000 | 325.8% | 0.3% |
| BETTER MORTGAGE CORPORATION | $645,000 | n/a | 0.3% | |
| MANN FINANCIAL INC. | $645,000 | n/a | 0.3% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,600,000 | $640,000 | -60.0% | 0.3% |
| KINECTA | $625,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL NETWORK, INC. | $585,000 | n/a | 0.2% | |
| Figure Lending LLC | $595,000 | $580,000 | -2.5% | 0.2% |
| ALAMEDA MORTGAGE CORPORATION | $1,030,000 | $565,000 | -45.1% | 0.2% |
| LONGBRIDGE FINANCIAL, LLC | $1,795,000 | $550,000 | -69.4% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,235,000 | $550,000 | -55.5% | 0.2% |
| The Central Trust Bank | $370,000 | $535,000 | 44.6% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $2,590,000 | $520,000 | -79.9% | 0.2% |
| NexBank | $485,000 | n/a | 0.2% | |
| Sierra Pacific Mortgage Company, Inc. | $3,065,000 | $485,000 | -84.2% | 0.2% |
| BNC National Bank | $1,595,000 | $475,000 | -70.2% | 0.2% |
| GUARANTEED RATE, INC. | $385,000 | $475,000 | 23.4% | 0.2% |
| Watermark Capital, Inc. | $470,000 | n/a | 0.2% | |
| BMO Harris Bank | $445,000 | n/a | 0.2% | |
| STAR ONE CREDIT UNION | $2,065,000 | $405,000 | -80.4% | 0.2% |
| LAND HOME FINANCIAL SERVICES, INC. | $295,000 | $395,000 | 33.9% | 0.2% |
| Discover Bank | $490,000 | $390,000 | -20.4% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $385,000 | n/a | 0.2% | |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $1,655,000 | $385,000 | -76.7% | 0.2% |
| Northwest Federal Credit Union | $385,000 | n/a | 0.2% | |
| Citizens Bank | $375,000 | n/a | 0.1% | |
| DRAPER AND KRAMER MORTGAGE CORP. | $405,000 | $365,000 | -9.9% | 0.1% |
| Equity Prime Mortgage LLC | $885,000 | $365,000 | -58.8% | 0.1% |
| NEW DAY FINANCIAL, LLC | $650,000 | $365,000 | -43.8% | 0.1% |
| 21ST MORTGAGE CORPORATION | $755,000 | $360,000 | -52.3% | 0.1% |
| Bethpage Federal Credit Union | $55,000 | $360,000 | 554.5% | 0.1% |
| INFINITY EQUITY GROUP, INC. | $2,965,000 | $355,000 | -88.0% | 0.1% |
| Grand Bank for Savings, FSB | $345,000 | n/a | 0.1% | |
| LOANPAL, LLC | $620,000 | $345,000 | -44.4% | 0.1% |
| Network Funding, L.P. | $345,000 | n/a | 0.1% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $115,000 | $335,000 | 191.3% | 0.1% |
| Cornerstone First Mortgage, Inc | $325,000 | n/a | 0.1% | |
| INTERNATIONAL CITY MORTGAGE, INC. | $325,000 | n/a | 0.1% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $325,000 | n/a | 0.1% | |
| NEWREZ LLC | $345,000 | $310,000 | -10.1% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $285,000 | n/a | 0.1% | |
| Ottawa Savings Bank | $195,000 | $280,000 | 43.6% | 0.1% |
| MOUNTAIN AMERICA | $580,000 | $275,000 | -52.6% | 0.1% |
| CALIBER HOME LOANS, INC. | $8,075,000 | $265,000 | -96.7% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $450,000 | $245,000 | -45.6% | 0.1% |
| DATA MORTGAGE, INC. | $165,000 | $205,000 | 24.2% | 0.1% |
| Great Basin Federal Credit Union | $205,000 | n/a | 0.1% | |
| LANTZMAN MANAGEMENT, INC. | $785,000 | $205,000 | -73.9% | 0.1% |
| SYNERGY HOME MORTGAGE, LLC | $1,775,000 | $205,000 | -88.5% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $845,000 | $205,000 | -75.7% | 0.1% |
| LOGIX FEDERAL CREDIT UNION | $195,000 | n/a | 0.1% | |
| DIGNIFIED HOME LOANS, LLC | $1,755,000 | $185,000 | -89.5% | 0.1% |
| AMERICA FIRST | $265,000 | $155,000 | -41.5% | 0.1% |
| PHH Mortgage Corporation | $1,840,000 | $155,000 | -91.6% | 0.1% |
| El Dorado Savings Bank, F.S.B. | $785,000 | $125,000 | -84.1% | 0.0% |
| HomeTrust Bank | $55,000 | $105,000 | 90.9% | 0.0% |
| LENDINGHOME FUNDING CORPORATION | $995,000 | $105,000 | -89.4% | 0.0% |
| OCMBC, INC. | $105,000 | n/a | 0.0% | |
| PLANET HOME LENDING, LLC | $535,000 | $105,000 | -80.4% | 0.0% |
| Signature Federal Credit Union | $95,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $65,000 | $75,000 | 15.4% | 0.0% |
| LADERA LENDING, INC. | $350,000 | $75,000 | -78.6% | 0.0% |
| ALLIANT CREDIT UNION | $55,000 | n/a | 0.0% | |
| GTE Federal Credit Union | $55,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $55,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $745,000 | $55,000 | -92.6% | 0.0% |
| Firefighters First Federal Credit Union | $35,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $25,000 | n/a | 0.0% |
CARSON CITY's top lender by overall market share is GUILD MORTGAGE COMPANY, with 14.8% market share. In second place, with 7.1%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $17,975,000 in loans. In third place, with 5.7%, is QUICKEN LOANS, LLC, having originated $14,345,000 in loans. In fourth place, with 5.2%, is EAGLE HOME MORTGAGE, LLC, having originated $13,095,000 in loans. In fifth place, with 4.6%, is UNITED, having originated $11,735,000 in loans.
CARSON CITY, NV Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 89423 | Carson City, NV MSA | $850 | $980 | $1,270 | $1,800 | $2,160 |
| 89701 | Carson City, NV MSA | $820 | $950 | $1,230 | $1,750 | $2,100 |
| 89702 | Carson City, NV MSA | $850 | $980 | $1,270 | $1,800 | $2,160 |
| 89703 | Carson City, NV MSA | $840 | $1,000 | $1,260 | $1,790 | $2,150 |
| 89705 | Carson City, NV MSA | $1,120 | $1,290 | $1,680 | $2,390 | $2,860 |
| 89706 | Carson City, NV MSA | $920 | $1,050 | $1,370 | $1,950 | $2,330 |
| 89711 | Carson City, NV MSA | $850 | $980 | $1,270 | $1,800 | $2,160 |
| 89712 | Carson City, NV MSA | $850 | $980 | $1,270 | $1,800 | $2,160 |
| 89713 | Carson City, NV MSA | $850 | $980 | $1,270 | $1,800 | $2,160 |
| 89714 | Carson City, NV MSA | $850 | $980 | $1,270 | $1,800 | $2,160 |
| 89721 | Carson City, NV MSA | $850 | $980 | $1,270 | $1,800 | $2,160 |
2022 Average & Median Rent Data Statistics
CARSON CITY, NV average 1BR rent: $1,014, median: $980
CARSON CITY, NV average 2BR rent: $1,312, median: $1,270
CARSON CITY, NV average 3BR rent: $1,862, median: $1,800
CARSON CITY, NV Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 490 | $191,750,000 | $391,327 |
| Home Improvement | 143 | $14,335,000 | $100,245 |
| Cash Out Refi | 122 | $32,120,000 | $263,279 |
| Other | 58 | $4,730,000 | $81,552 |
| Refi | 47 | $10,365,000 | $220,532 |
| NA | 1 | $205,000 | $205,000 |
Carson City's most frequently cited loan purpose was Home Purchase, with 490 originations. The 2nd most popular reason was Home Improvement, with 143 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 286 | $108,060,000 | $377,832 |
| Over 8% | 199 | $23,155,000 | $116,357 |
| 7-8% | 195 | $65,375,000 | $335,256 |
| 5-6% | 134 | $48,570,000 | $362,463 |
| 4-5% | 20 | $6,340,000 | $317,000 |
| <2.5% | 15 | $195,000 | $13,000 |
| 3-4% | 11 | $1,495,000 | $135,909 |
| 2.5-3% | 1 | $315,000 | $315,000 |
During 2023, Carson City's most frequently originated rate bucket was 6-7%, with 286 originations.
Loan Sizing (CARSON CITY, NV MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 320 | $99,230,000 | $310,094 |
| $100,000 or less | 200 | $10,450,000 | $52,250 |
| $400k-600k | 169 | $80,445,000 | $476,006 |
| $100k-200k | 128 | $18,470,000 | $144,297 |
| $600k-1000k | 38 | $26,030,000 | $685,000 |
| $Over $1MM | 6 | $18,880,000 | $3,146,667 |
CARSON CITY's loan sizing saw the bucket of loans from $200k-400k with 320 originations, totaling $99,230,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 293 | $119,495,000 | $407,833 |
| Under 20% | 214 | $13,120,000 | $61,308 |
| 60-80% | 160 | $74,130,000 | $463,313 |
| 40-60% | 99 | $28,535,000 | $288,232 |
| 20-40% | 80 | $13,090,000 | $163,625 |
| Over 100% | 8 | $3,510,000 | $438,750 |
CARSON CITY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 293 originations, totaling $119,495,000 in origination value.