Elko Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Elko averaged
6.7%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.61% and
one month ago for the week of 2025-02-27, the
average rate was 6.82%.
Elko's average rate one year ago was 6.85%.
For refis of the same type during the week of 2025-04-03, the average rate
was 6.74%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Elko 30 Year Fixed Rate | 2025-04-03 | 6.7% |
| Elko 30 Year Fixed Rate Refi | 2025-04-03 | 6.74% |
| Elko 15 Year Fixed Rate | 2025-04-03 | 5.62% |
| Elko 15 Year Fixed Rate Refi | 2025-04-03 | 5.82% |
| Elko 30 Year FHA | 2025-04-03 | 6.47% |
| Elko 30 Year FHA Refi | 2025-04-03 | 6.46% |
| Elko 30 Year USDA | 2025-04-03 | 6.42% |
| Elko 30 Year USDA Refi | 2025-04-03 | 6.12% |
| Elko 30 Year VA | 2025-04-03 | 6.16% |
| Elko 30 Year VA Refi | 2025-04-03 | 5.86% |
Elko 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 Elko, 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.).
Elko Average Closing Costs & Other Stats
Elko, NV's 59 lenders originated 1,059
loans during 2024. The total origination value was $279,505,000, with an average loan value of
$263,933.
Elko's average closing costs are $7,299.
The top Elko lender as defined by loan originations is GUILD MORTGAGE COMPANY, with
88 loans originated. Their average total fees are
$9,751, which is $2,636
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Elko lenders (with over 10 loans originated) are
GREATER NEVADA LLC ($6,219), QUICKEN LOANS, LLC ($7,115), MOVEMENT MORTGAGE, LLC ($7,167), PRIMARY RESIDENTIAL MORTGAGE, INC. ($8,944) and UNITED WHOLESALE MORTGAGE, LLC ($9,342).
The lowest rate Elko lenders (with over 10 loans originated) are
GREATER NEVADA LLC (6.55%), MOVEMENT MORTGAGE, LLC (6.61%), UNITED WHOLESALE MORTGAGE, LLC (6.66%), QUICKEN LOANS, LLC (6.71%) and GUILD MORTGAGE COMPANY (6.80%).
Elko, 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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | $56,820,000 | $66,375,000 | 16.8% | 23.7% |
| MOVEMENT MORTGAGE, LLC | $11,215,000 | $25,265,000 | 125.3% | 9.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $7,250,000 | $24,380,000 | 236.3% | 8.7% |
| ISERVE RESIDENTIAL LENDING, LLC | $10,760,000 | $15,545,000 | 44.5% | 5.6% |
| QUICKEN LOANS, LLC | $15,700,000 | $11,855,000 | -24.5% | 4.2% |
| FREEDOM MORTGAGE CORPORATION | $355,000 | $10,270,000 | 2,793.0% | 3.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $11,475,000 | $10,060,000 | -12.3% | 3.6% |
| PENNYMAC LOAN SERVICES, LLC | $4,250,000 | $8,890,000 | 109.2% | 3.2% |
| GREATER NEVADA LLC | $6,830,000 | $8,840,000 | 29.4% | 3.2% |
| Mortgage Research Center, LLC | $1,990,000 | $5,465,000 | 174.6% | 2.0% |
| BROKER SOLUTIONS, INC. | $12,290,000 | $4,530,000 | -63.1% | 1.6% |
| GUARANTEED RATE, INC. | $2,420,000 | $4,095,000 | 69.2% | 1.5% |
| SUN WEST MORTGAGE COMPANY, INC. | $805,000 | $4,075,000 | 406.2% | 1.5% |
| Glacier Bank | $3,805,000 | n/a | 1.4% | |
| LOANDEPOT.COM, LLC | $2,595,000 | $3,690,000 | 42.2% | 1.3% |
| LIMA ONE CAPITAL, LLC | $225,000 | $3,405,000 | 1,413.3% | 1.2% |
| Zions Bank | $2,100,000 | $3,365,000 | 60.2% | 1.2% |
| U.S. Bank | $2,880,000 | $2,660,000 | -7.6% | 1.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $2,535,000 | n/a | 0.9% | |
| CROSSCOUNTRY MORTGAGE, LLC | $2,035,000 | $2,485,000 | 22.1% | 0.9% |
| Century Mortgage Company DBA Century Lending Company | $2,100,000 | $2,480,000 | 18.1% | 0.9% |
| SECURITYNATIONAL MORTGAGE COMPANY | $350,000 | $2,115,000 | 504.3% | 0.8% |
| AMERICA FIRST | $1,685,000 | $2,045,000 | 21.4% | 0.7% |
| DEEPHAVEN MORTGAGE LLC | $1,930,000 | n/a | 0.7% | |
| UNITED | $4,035,000 | $1,905,000 | -52.8% | 0.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $585,000 | $1,860,000 | 217.9% | 0.7% |
| The Loan Store, Inc. | $430,000 | $1,850,000 | 330.2% | 0.7% |
| LAKEVIEW LOAN SERVICING, LLC | $460,000 | $1,740,000 | 278.3% | 0.6% |
| Washington Federal Bank | $1,335,000 | $1,570,000 | 17.6% | 0.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,215,000 | $1,505,000 | -32.1% | 0.5% |
| VILLAGE CAPITAL MORTGAGE | $990,000 | $1,470,000 | 48.5% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,315,000 | $1,465,000 | 11.4% | 0.5% |
| USAA Federal Savings Bank | $355,000 | $1,435,000 | 304.2% | 0.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $250,000 | $1,275,000 | 410.0% | 0.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $195,000 | $1,230,000 | 530.8% | 0.4% |
| CMG MORTGAGE, INC. | $16,330,000 | $1,195,000 | -92.7% | 0.4% |
| MOUNTAIN AMERICA | $1,535,000 | $1,185,000 | -22.8% | 0.4% |
| INFINITY EQUITY GROUP, INC. | $365,000 | $1,155,000 | 216.4% | 0.4% |
| CHURCHILL MORTGAGE CORPORATION | $175,000 | $1,075,000 | 514.3% | 0.4% |
| FIRST COLONY MORTGAGE CORPORATION | $955,000 | n/a | 0.3% | |
| CANOPY MORTGAGE, LLC | $895,000 | n/a | 0.3% | |
| SUMMIT FUNDING, INC. | $1,880,000 | $805,000 | -57.2% | 0.3% |
| TJC Mortgage, Inc. | $790,000 | n/a | 0.3% | |
| NEWREZ LLC | $1,250,000 | $775,000 | -38.0% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,185,000 | $750,000 | -36.7% | 0.3% |
| PLANET HOME LENDING, LLC | $730,000 | n/a | 0.3% | |
| PLAZA HOME MORTGAGE, INC. | $730,000 | n/a | 0.3% | |
| IDAHO CENTRAL | $75,000 | $640,000 | 753.3% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $600,000 | n/a | 0.2% | |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $955,000 | $600,000 | -37.2% | 0.2% |
| Wells Fargo Bank | $1,370,000 | $565,000 | -58.8% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $205,000 | $550,000 | 168.3% | 0.2% |
| Discover Bank | $470,000 | $515,000 | 9.6% | 0.2% |
| NAVY FEDERAL CREDIT UNION | $435,000 | $505,000 | 16.1% | 0.2% |
| Carrington Mortgage Services, LLC | $235,000 | $500,000 | 112.8% | 0.2% |
| Figure Lending LLC | $165,000 | $500,000 | 203.0% | 0.2% |
| NBKC BANK | $620,000 | $485,000 | -21.8% | 0.2% |
| RBC Bank, (Georgia) | $740,000 | $445,000 | -39.9% | 0.2% |
| Gateway First Bank | $435,000 | n/a | 0.2% | |
| Ameris Bank | $430,000 | n/a | 0.2% | |
| Citibank | $425,000 | n/a | 0.2% | |
| PHH Mortgage Corporation | $405,000 | n/a | 0.1% | |
| RESIDENTIAL MORTGAGE, LLC | $395,000 | n/a | 0.1% | |
| Sierra Pacific Mortgage Company, Inc. | $155,000 | $385,000 | 148.4% | 0.1% |
| Home Loan Investment Bank, F.S.B. | $375,000 | n/a | 0.1% | |
| ALLIANT CREDIT UNION | $75,000 | $370,000 | 393.3% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $780,000 | $360,000 | -53.8% | 0.1% |
| LENDSURE MORTGAGE CORP. | $355,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $355,000 | n/a | 0.1% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $345,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $335,000 | n/a | 0.1% | |
| Ally Bank | $325,000 | n/a | 0.1% | |
| CLEARPATH LENDING | $325,000 | n/a | 0.1% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $315,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $315,000 | $315,000 | 0.0% | 0.1% |
| ANDREWS FEDERAL CREDIT UNION | $305,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $295,000 | n/a | 0.1% | |
| CORNERSTONE HOME LENDING, INC. | $290,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $285,000 | n/a | 0.1% | |
| First National Bank of America | $285,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $345,000 | $275,000 | -20.3% | 0.1% |
| CARDINAL FINANCIAL | $395,000 | $275,000 | -30.4% | 0.1% |
| Umpqua Bank | $285,000 | $275,000 | -3.5% | 0.1% |
| Flagstar Bank, FSB | $925,000 | $265,000 | -71.4% | 0.1% |
| INTERCAP LENDING INC. | $265,000 | n/a | 0.1% | |
| M&T Bank | $265,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $255,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $335,000 | $255,000 | -23.9% | 0.1% |
| JPMorgan Chase Bank | $305,000 | $245,000 | -19.7% | 0.1% |
| The Federal Savings Bank | $245,000 | $245,000 | 0.0% | 0.1% |
| 21ST MORTGAGE CORPORATION | $635,000 | $230,000 | -63.8% | 0.1% |
| AMERICAN FINANCING CORPORATION | $225,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $225,000 | n/a | 0.1% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $510,000 | $215,000 | -57.8% | 0.1% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $4,790,000 | $215,000 | -95.5% | 0.1% |
| Willamette Valley Bank | $215,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $335,000 | $205,000 | -38.8% | 0.1% |
| Deseret First Credit Union | $200,000 | n/a | 0.1% | |
| MASON MCDUFFIE MORTGAGE CORPORATION | $215,000 | $195,000 | -9.3% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,970,000 | $175,000 | -91.1% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $75,000 | $160,000 | 113.3% | 0.1% |
| First Federal Savings Bank of Twin Falls | $155,000 | n/a | 0.1% | |
| OCMBC, INC. | $105,000 | n/a | 0.0% | |
| Bank of America | $295,000 | $100,000 | -66.1% | 0.0% |
| FIRST TECHNOLOGY | $95,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $95,000 | n/a | 0.0% | |
| UNIFY FINANCIAL Credit Union | $85,000 | n/a | 0.0% | |
| SILVER STATE SCHOOLS SERVICE COMPANY, LLC | $75,000 | n/a | 0.0% | |
| GEORGIA'S OWN | $55,000 | n/a | 0.0% |
Elko's top lender by overall market share is GUILD MORTGAGE COMPANY, with 23.7% market share. In second place, with 9.0%, is MOVEMENT MORTGAGE, LLC, having originated $25,265,000 in loans. In third place, with 8.7%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $24,380,000 in loans. In fourth place, with 5.6%, is ISERVE RESIDENTIAL LENDING, LLC, having originated $15,545,000 in loans. In fifth place, with 4.2%, is QUICKEN LOANS, LLC, having originated $11,855,000 in loans.
Elko Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Elko (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $269,590 (10.0%) | $296,216 (11.8%) | 0.00 | 219 |
| 2018-02-01 | $265,900 (9.7%) | $297,420 (12.5%) | 0.00 | 225 |
| 2018-03-01 | $268,780 (8.1%) | $295,521 (11.3%) | 0.00 | 213 |
| 2018-04-01 | $270,150 (8.8%) | $301,604 (13.1%) | 0.00 | 186 |
| 2018-05-01 | $278,188 (11.4%) | $317,948 (17.3%) | 0.00 | 182 |
| 2018-06-01 | $277,375 (7.1%) | $303,848 (9.9%) | 0.00 | 188 |
| 2018-07-01 | $279,950 (7.7%) | $303,503 (9.7%) | 0.00 | 212 |
| 2018-08-01 | $274,635 (5.7%) | $296,641 (5.0%) | 0.00 | 219 |
| 2018-09-01 | $272,500 (4.9%) | $291,198 (0.6%) | 0.00 | 223 |
| 2018-10-01 | $275,425 (4.3%) | $297,622 (1.8%) | 0.00 | 226 |
| 2018-11-01 | $281,950 (4.8%) | $302,270 (4.8%) | 0.00 | 211 |
| 2018-12-01 | $279,900 (3.9%) | $331,644 (13.3%) | 0.00 | 209 |
| 2019-01-01 | $281,450 (4.4%) | $298,797 (0.9%) | 0.00 | 206 |
| 2019-02-01 | $283,450 (6.6%) | $302,764 (1.8%) | 0.00 | 169 |
| 2019-03-01 | $296,729 (10.4%) | $324,659 (9.9%) | 0.00 | 184 |
| 2019-04-01 | $294,600 (9.1%) | $333,477 (10.6%) | 0.00 | 215 |
| 2019-05-01 | $288,175 (3.6%) | $315,154 (-0.9%) | 0.00 | 232 |
| 2019-06-01 | $289,450 (4.4%) | $306,190 (0.8%) | 0.00 | 244 |
| 2019-07-01 | $289,975 (3.6%) | $307,642 (1.4%) | 0.00 | 281 |
| 2019-08-01 | $294,608 (7.3%) | $312,024 (5.2%) | 0.00 | 272 |
| 2019-09-01 | $301,522 (10.7%) | $314,899 (8.1%) | 0.00 | 261 |
| 2019-10-01 | $305,132 (10.8%) | $316,593 (6.4%) | 0.00 | 252 |
| 2019-11-01 | $299,900 (6.4%) | $316,883 (4.8%) | 0.00 | 231 |
| 2019-12-01 | $304,475 (8.8%) | $319,614 (-3.6%) | 0.00 | 228 |
| 2020-01-01 | $300,200 (6.7%) | $319,032 (6.8%) | 0.00 | 215 |
| 2020-02-01 | $315,000 (11.1%) | $318,964 (5.4%) | 0.00 | 195 |
| 2020-03-01 | $315,500 (6.3%) | $318,477 (-1.9%) | 0.00 | 186 |
| 2020-04-01 | $318,963 (8.3%) | $325,103 (-2.5%) | 0.00 | 169 |
| 2020-05-01 | $337,900 (17.3%) | $344,951 (9.5%) | 0.00 | 163 |
| 2020-06-01 | $340,063 (17.5%) | $346,553 (13.2%) | 0.00 | 148 |
| 2020-07-01 | $342,225 (18.0%) | $354,209 (15.1%) | 0.00 | 132 |
| 2020-08-01 | $338,780 (15.0%) | $354,906 (13.7%) | 0.00 | 125 |
| 2020-09-01 | $350,500 (16.2%) | $361,335 (14.8%) | 0.00 | 115 |
| 2020-10-01 | $349,000 (14.4%) | $366,289 (15.7%) | 0.00 | 118 |
| 2020-11-01 | $381,500 (27.2%) | $392,985 (24.0%) | 0.00 | 130 |
| 2020-12-01 | $374,825 (23.1%) | $385,877 (20.7%) | 0.00 | 130 |
| 2021-01-01 | $375,500 (25.1%) | $382,936 (20.0%) | 0.00 | 120 |
| 2021-02-01 | $408,300 (29.6%) | $403,730 (26.6%) | 0.00 | 97 |
| 2021-03-01 | $415,000 (31.5%) | $400,468 (25.7%) | 0.00 | 102 |
| 2021-04-01 | $421,500 (32.2%) | $411,199 (26.5%) | 0.00 | 94 |
| 2021-05-01 | $392,000 (16.0%) | $411,460 (19.3%) | 0.00 | 44 |
| 2021-06-01 | $379,945 (11.7%) | $492,909 (42.2%) | 0.00 | 50 |
| 2021-07-01 | $336,450 (-1.7%) | $440,222 (24.3%) | 0.00 | 72 |
| 2021-08-01 | $361,000 (6.6%) | $401,185 (13.0%) | 0.00 | 80 |
| 2021-09-01 | $385,500 (10.0%) | $412,131 (14.1%) | 0.00 | 85 |
| 2021-10-01 | $416,000 (19.2%) | $432,280 (18.0%) | 0.00 | 128 |
| 2021-11-01 | $411,750 (7.9%) | $434,060 (10.5%) | 0.00 | 133 |
| 2021-12-01 | $420,000 (12.1%) | $433,308 (12.3%) | 0.00 | 126 |
| 2022-01-01 | $438,000 (16.6%) | $431,616 (12.7%) | 0.00 | 117 |
| 2022-02-01 | $462,500 (13.3%) | $455,578 (12.8%) | 0.00 | 102 |
| 2022-03-01 | $484,075 (16.6%) | $466,057 (16.4%) | 0.00 | 88 |
| 2022-04-01 | $499,000 (18.4%) | $489,485 (19.0%) | 0.00 | 78 |
| 2022-05-01 | $504,150 (28.6%) | $503,627 (22.4%) | 0.00 | 102 |
| 2022-06-01 | $499,950 (31.6%) | $487,414 (-1.1%) | 0.00 | 96 |
| 2022-07-01 | $513,350 (52.6%) | $501,705 (14.0%) | 0.00 | 112 |
| 2022-08-01 | $516,915 (43.2%) | $515,121 (28.4%) | 0.00 | 129 |
| 2022-09-01 | $512,350 (32.9%) | $488,317 (18.5%) | 0.00 | 143 |
| 2022-10-01 | $499,050 (20.0%) | $481,236 (11.3%) | 0.00 | 146 |
| 2022-11-01 | $485,100 (17.8%) | $480,000 (10.6%) | 0.00 | 152 |
| 2022-12-01 | $485,100 (15.5%) | $471,324 (8.8%) | 0.00 | 140 |
| 2023-01-01 | $476,275 (8.7%) | $463,342 (7.4%) | 0.00 | 122 |
| 2023-02-01 | $483,775 (4.6%) | $468,228 (2.8%) | 0.00 | 107 |
| 2023-03-01 | $532,200 (9.9%) | $511,044 (9.7%) | 0.00 | 90 |
| 2023-04-01 | $525,000 (5.2%) | $508,070 (3.8%) | 0.00 | 95 |
| 2023-05-01 | $517,900 (2.7%) | $495,656 (-1.6%) | 0.00 | 111 |
| 2023-06-01 | $502,450 (0.5%) | $502,003 (3.0%) | 0.00 | 130 |
| 2023-07-01 | $439,900 (-14.3%) | $421,925 (-15.9%) | 0.00 | 176 |
| 2023-08-01 | $402,250 (-22.2%) | $414,480 (-19.5%) | 0.00 | 181 |
| 2023-09-01 | $399,900 (-22.0%) | $411,489 (-15.7%) | 0.00 | 184 |
| 2023-10-01 | $398,450 (-20.2%) | $415,274 (-13.7%) | 0.00 | 178 |
| 2023-11-01 | $384,700 (-20.7%) | $405,930 (-15.4%) | 0.00 | 177 |
| 2023-12-01 | $406,500 (-16.2%) | $407,982 (-13.4%) | 0.00 | 154 |
| 2024-01-01 | $419,250 (-12.0%) | $406,705 (-12.2%) | 0.00 | 158 |
| 2024-02-01 | $420,000 (-13.2%) | $389,214 (-16.9%) | 0.00 | 152 |
| 2024-03-01 | $399,000 (-25.0%) | $387,865 (-24.1%) | 0.00 | 150 |
| 2024-04-01 | $390,425 (-25.6%) | $377,230 (-25.8%) | 0.00 | 149 |
| 2024-05-01 | $431,000 (-16.8%) | $401,519 (-19.0%) | 0.00 | 153 |
| 2024-06-01 | $422,900 (-15.8%) | $388,787 (-22.6%) | 0.00 | 162 |
| 2024-07-01 | $429,900 (-2.3%) | $405,614 (-3.9%) | 0.00 | 162 |
| 2024-08-01 | $430,000 (6.9%) | $417,724 (0.8%) | 0.00 | 169 |
| 2024-09-01 | $410,500 (2.7%) | $417,563 (1.5%) | 0.00 | 174 |
| 2024-10-01 | $399,675 (0.3%) | $405,561 (-2.3%) | 0.00 | 179 |
| 2024-11-01 | $415,000 (7.9%) | $413,723 (1.9%) | 0.00 | 169 |
| 2024-12-01 | $410,925 (1.1%) | $415,324 (1.8%) | 0.00 | 164 |
| 2025-01-01 | $418,050 (-0.3%) | $414,813 (2.0%) | 0.00 | 149 |
| 2025-02-01 | $501,800 (19.5%) | $510,307 (31.1%) | 0.00 | 124 |
| 2025-03-01 | $487,600 (22.2%) | $498,303 (28.5%) | 0.00 | 147 |
Elko's median listing price comes in at 0% of the national average.
Elko's average listing price for 2025-03-01 was $498,303, a difference of $110,438 (28.5%) versus the prior year and $-12,004 versus the prior month.
For the 2025-03-01 period, Elko had 147 MLS listings, a difference of 23 listings (19%) versus the prior month and -3 listings (-2%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Elko (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,990 sqft |
| 2018-02-01 | 0 days | 1,980 sqft |
| 2018-03-01 | 0 days | 2,043 sqft |
| 2018-04-01 | 0 days | 1,976 sqft |
| 2018-05-01 | 0 days | 2,061 sqft |
| 2018-06-01 | 0 days | 2,041 sqft |
| 2018-07-01 | 0 days | 1,866 sqft |
| 2018-08-01 | 0 days | 1,778 sqft |
| 2018-09-01 | 0 days | 1,734 sqft |
| 2018-10-01 | 0 days | 1,750 sqft |
| 2018-11-01 | 0 days | 1,770 sqft |
| 2018-12-01 | 0 days | 1,900 sqft |
| 2019-01-01 | 0 days | 1,888 sqft |
| 2019-02-01 | 0 days | 1,882 sqft |
| 2019-03-01 | 0 days | 1,920 sqft |
| 2019-04-01 | 0 days | 1,910 sqft |
| 2019-05-01 | 0 days | 1,899 sqft |
| 2019-06-01 | 0 days | 1,900 sqft |
| 2019-07-01 | 0 days | 1,916 sqft |
| 2019-08-01 | 0 days | 1,953 sqft |
| 2019-09-01 | 0 days | 2,002 sqft |
| 2019-10-01 | 0 days | 2,035 sqft |
| 2019-11-01 | 0 days | 2,062 sqft |
| 2019-12-01 | 0 days | 2,082 sqft |
| 2020-01-01 | 0 days | 2,113 sqft |
| 2020-02-01 | 0 days | 2,016 sqft |
| 2020-03-01 | 0 days | 2,000 sqft |
| 2020-04-01 | 0 days | 2,008 sqft |
| 2020-05-01 | 0 days | 2,128 sqft |
| 2020-06-01 | 0 days | 2,115 sqft |
| 2020-07-01 | 0 days | 2,114 sqft |
| 2020-08-01 | 0 days | 2,114 sqft |
| 2020-09-01 | 0 days | 2,141 sqft |
| 2020-10-01 | 0 days | 2,114 sqft |
| 2020-11-01 | 0 days | 2,114 sqft |
| 2020-12-01 | 0 days | 2,086 sqft |
| 2021-01-01 | 0 days | 2,001 sqft |
| 2021-02-01 | 0 days | 2,220 sqft |
| 2021-03-01 | 0 days | 2,220 sqft |
| 2021-04-01 | 0 days | 2,220 sqft |
| 2021-05-01 | 0 days | 2,213 sqft |
| 2021-06-01 | 0 days | 2,256 sqft |
| 2021-07-01 | 0 days | 2,239 sqft |
| 2021-08-01 | 0 days | 2,065 sqft |
| 2021-09-01 | 0 days | 2,036 sqft |
| 2021-10-01 | 0 days | 2,114 sqft |
| 2021-11-01 | 0 days | 2,047 sqft |
| 2021-12-01 | 0 days | 2,112 sqft |
| 2022-01-01 | 0 days | 2,114 sqft |
| 2022-02-01 | 0 days | 2,204 sqft |
| 2022-03-01 | 0 days | 2,220 sqft |
| 2022-04-01 | 0 days | 2,263 sqft |
| 2022-05-01 | 0 days | 2,287 sqft |
| 2022-06-01 | 0 days | 2,290 sqft |
| 2022-07-01 | 0 days | 2,115 sqft |
| 2022-08-01 | 0 days | 2,220 sqft |
| 2022-09-01 | 0 days | 2,190 sqft |
| 2022-10-01 | 0 days | 2,182 sqft |
| 2022-11-01 | 0 days | 2,137 sqft |
| 2022-12-01 | 0 days | 2,114 sqft |
| 2023-01-01 | 0 days | 2,114 sqft |
| 2023-02-01 | 0 days | 2,190 sqft |
| 2023-03-01 | 0 days | 2,231 sqft |
| 2023-04-01 | 0 days | 2,221 sqft |
| 2023-05-01 | 0 days | 2,189 sqft |
| 2023-06-01 | 0 days | 2,186 sqft |
| 2023-07-01 | 0 days | 2,212 sqft |
| 2023-08-01 | 0 days | 2,202 sqft |
| 2023-09-01 | 0 days | 2,180 sqft |
| 2023-10-01 | 0 days | 2,120 sqft |
| 2023-11-01 | 0 days | 2,114 sqft |
| 2023-12-01 | 0 days | 2,200 sqft |
| 2024-01-01 | 0 days | 2,236 sqft |
| 2024-02-01 | 0 days | 2,157 sqft |
| 2024-03-01 | 0 days | 2,156 sqft |
| 2024-04-01 | 0 days | 2,024 sqft |
| 2024-05-01 | 0 days | 2,156 sqft |
| 2024-06-01 | 0 days | 2,137 sqft |
| 2024-07-01 | 0 days | 2,304 sqft |
| 2024-08-01 | 0 days | 2,225 sqft |
| 2024-09-01 | 0 days | 2,227 sqft |
| 2024-10-01 | 0 days | 2,215 sqft |
| 2024-11-01 | 0 days | 2,290 sqft |
| 2024-12-01 | 0 days | 2,229 sqft |
| 2025-01-01 | 0 days | 2,232 sqft |
| 2025-02-01 | 0 days | 2,253 sqft |
| 2025-03-01 | 0 days | 2,105 sqft |
Elko's median square footage for active listings during the 2025-03-01 period was 2,105 sqft. One year prior, the average listing was 2,156 sqft.
Elko, NV Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 698 | $209,790,000 | $300,559 |
| Cash Out Refi | 134 | $25,030,000 | $186,791 |
| Refi | 112 | $34,310,000 | $306,339 |
| Other | 66 | $5,100,000 | $77,273 |
| Home Improvement | 49 | $5,275,000 | $107,653 |
Elko's most frequently cited loan purpose was Home Purchase, with 698 originations. The 2nd most popular reason was Cash Out Refi, with 134 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 502 | $159,220,000 | $317,171 |
| 7-8% | 186 | $50,770,000 | $272,957 |
| Over 8% | 179 | $19,435,000 | $108,575 |
| 5-6% | 138 | $45,180,000 | $327,391 |
| <2.5% | 40 | $980,000 | $24,500 |
| 4-5% | 7 | $2,575,000 | $367,857 |
| 2.5-3% | 3 | $675,000 | $225,000 |
| 3-4% | 2 | $640,000 | $320,000 |
During 2024, Elko's most frequently originated rate bucket was 6-7%, with 502 originations.
Loan Sizing (Elko, NV MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 600 | $181,820,000 | $303,033 |
| $100,000 or less | 201 | $9,285,000 | $46,194 |
| $400k-600k | 132 | $60,530,000 | $458,561 |
| $100k-200k | 116 | $17,470,000 | $150,603 |
| $600k-1000k | 8 | $5,560,000 | $695,000 |
| $Over $1MM | 2 | $4,840,000 | $2,420,000 |
Elko's loan sizing saw the bucket of loans from $200k-400k with 600 originations, totaling $181,820,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 564 | $186,680,000 | $330,993 |
| Under 20% | 169 | $7,145,000 | $42,278 |
| 60-80% | 164 | $48,000,000 | $292,683 |
| 20-40% | 60 | $6,760,000 | $112,667 |
| 40-60% | 56 | $15,220,000 | $271,786 |
| Over 100% | 26 | $9,370,000 | $360,385 |
Elko's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 564 originations, totaling $186,680,000 in origination value.