Gardnerville Ranchos Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Gardnerville Ranchos averaged 6.72% for the week of 2025-02-13, compared to the national average of 6.87% for the same period.

    The average rate for the prior week (2025-02-06) was 6.84% and one month ago for the week of 2025-01-09, the average rate was 6.68%.

    Gardnerville Ranchos's average rate one year ago was 6.59%.

    For refis of the same type during the week of 2025-02-13, the average rate was 7.07%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-02-13 6.87%
    Gardnerville Ranchos 30 Year Fixed Rate 2025-02-13 6.72%
    Gardnerville Ranchos 30 Year Fixed Rate Refi 2025-02-13 7.07%
    Gardnerville Ranchos 15 Year Fixed Rate 2025-02-13 6.19%
    Gardnerville Ranchos 15 Year Fixed Rate Refi 2025-02-13 5.99%
    Gardnerville Ranchos 30 Year FHA 2025-02-13 6.32%
    Gardnerville Ranchos 30 Year FHA Refi 2025-02-13 6.52%
    Gardnerville Ranchos 30 Year USDA 2025-02-13 6.63%
    Gardnerville Ranchos 30 Year USDA Refi 2025-02-13 6.33%
    Gardnerville Ranchos 30 Year VA 2025-02-13 6.33%
    Gardnerville Ranchos 30 Year VA Refi 2025-02-13 6.63%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Gardnerville Ranchos, NV.

    Gardnerville Ranchos 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 Gardnerville Ranchos, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 82 6.74% $10,025
    QUICKEN LOANS, LLC 39 6.75% $9,087
    U.S. Bank 38 6.48% $15,003
    MASON MCDUFFIE MORTGAGE CORPORATION 31 6.99% $9,303
    UNITED WHOLESALE MORTGAGE, LLC 25 6.87% $7,892
    EAGLE HOME MORTGAGE, LLC 22 5.33% $8,372
    CROSSCOUNTRY MORTGAGE, LLC 17 6.82% $17,191
    GREATER NEVADA LLC 14 6.07% $5,519
    PRIMELENDING, A PLAINSCAPITAL COMPANY 11 7.22% $7,791
    PENNYMAC LOAN SERVICES, LLC 10 7.09% $4,452
    PREMIER MORTGAGE RESOURCES, L.L.C. 10 6.27% $11,004
    MOVEMENT MORTGAGE, LLC 9 6.33% $9,935
    JPMorgan Chase Bank 7 6.63% $5,795
    AXIA FINANCIAL, LLC 6 6.56% $9,800
    Wells Fargo Bank 6 6.67% $6,657
    Bank of America 5 6.13% $6,821
    American Mortgage & Equity Consultants, Inc. 5 7.20% $3,872
    LOANDEPOT.COM, LLC 4 5.96% $6,044
    NAVY FEDERAL CREDIT UNION 4 6.28% $4,799
    NexBank 4 7.06% $6,315
    Citibank 4 5.59% $7,565
    Mr. Cooper ( Nationstar Mortgage ) 3 6.71% $12,195
    Morgan Stanley Private Bank 3 5.55% $6,503
    BMO Harris Bank 3 5.79% $17,799
    BROKER SOLUTIONS, INC. 3 6.38% $10,135
    NEWREZ LLC 3 7.16% $6,546
    Zions Bank 3 6.79% $4,451
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.67% $5,098
    First-Citizens Bank & Trust Company 2 5.31% $15,927
    ALAMEDA MORTGAGE CORPORATION 2 7.12% $10,192
    AMERICAN PACIFIC MORTGAGE CORPORATION 2 7.19% $10,009
    AmeriHome Mortgage Company, LLC 2 6.19% $4,965
    BNY Mellon 2 5.56% $4,339
    Charles Schwab Bank, SSB 2 5.88% $7,141
    CMG MORTGAGE, INC. 2 7.24% $4,523
    DIGNIFIED HOME LOANS, LLC 2 6.43% $10,898
    HOMEXPRESS MORTGAGE CORP. 2 8.25% $34,757
    Paramount Residential Mortgage Group, Inc. 2 7.38% $6,898
    PNC Bank 2 7.31% $4,402
    Prosperity Home Mortgage, LLC 2 6.63% $5,859
    SUMMIT FUNDING, INC. 2 6.75% $13,756
    KEYPOINT 1 6.88% $4,490
    Goldman Sachs Bank USA 1 5.15% $5,229
    Flagstar Bank, FSB 1 7.25% $7,620
    Meridian Bank Corporation 1 7.63% $6,132
    Mid-America Bank 1 8.00% $7,198
    MidFirst Bank 1 5.75% $22,297
    ACADEMY MORTGAGE CORPORATION 1 5.88% $9,447
    Firefighters First Federal Credit Union 1 5.38% $3,905
    EVERETT FINANCIAL, INC. 1 7.50% $11,304
    M&T Bank 1 6.50% $4,680
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.25% $6,847
    Cornerstone First Mortgage, Inc 1 6.50% $15,516
    NBKC BANK 1 7.38% $4,164
    CHEVRON 1 6.25% $3,448
    CARDINAL FINANCIAL 1 6.99% $2,527
    NFM, INC. 1 7.25% $13,497
    NP, Inc. 1 9.37% $14,663
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 7.63% $8,470
    Washington Federal Bank 1 6.00% $19,832
    BNC National Bank 1 5.50% $5,316
    AMERICA FIRST 1 7.13% $6,804
    BETTER MORTGAGE CORPORATION 1 6.75% $5,152
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.25% $15,191
    BAY-VALLEY MORTGAGE GROUP 1 7.38% $4,813
    ZILLOW HOME LOANS, LLC 1 6.25% $12,071
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.88% $5,675
    Raymond James Bank 1 6.13% $4,411
    Sierra Pacific Mortgage Company, Inc. 1 6.88% $19,855
    AFFINITY 1 4.75% $5,129
    The Loan Store, Inc. 1 7.00% $6,109
    TJC Mortgage, Inc. 1 7.13% $5,614
    UNITED 1 5.88% $4,311
    AMERISAVE MORTGAGE CORPORATION 1 6.88% $6,945
    USAA Federal Savings Bank 1 7.13% $4,016
    AMERICAN FINANCIAL NETWORK, INC. 1 6.50% $5,729
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 5.13% $34,922
    Utah Mortgage Loan Corporation 1 6.75% $6,912
    HSBC BANK USA, NATIONAL ASSOCIATION 1 7.11% $4,161
    INFINITY EQUITY GROUP, INC. 1 7.13% $3,966
    GUARANTEED RATE, INC. 1 7.38% $4,295

    Gardnerville Ranchos Average Closing Costs & Other Stats

    Gardnerville Ranchos, NV's 81 lenders originated 938 loans during 2023. The total origination value was $437,410,000, with an average loan value of $466,322.

    Gardnerville Ranchos's average closing costs are $6,147.

    The top Gardnerville Ranchos lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 82 loans originated. Their average total fees are $10,025, which is $938 higher than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Gardnerville Ranchos lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC ($4,452), GREATER NEVADA LLC ($5,519), PRIMELENDING, A PLAINSCAPITAL COMPANY ($7,791), UNITED WHOLESALE MORTGAGE, LLC ($7,892) and EAGLE HOME MORTGAGE, LLC ($8,372).

    The lowest rate Gardnerville Ranchos lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (5.33%), GREATER NEVADA LLC (6.07%), PREMIER MORTGAGE RESOURCES, L.L.C. (6.27%), U.S. Bank (6.48%) and GUILD MORTGAGE COMPANY (6.74%).

    Gardnerville Ranchos, 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
    U.S. Bank $67,615,000 $51,495,000 -23.8% 11.8%
    GUILD MORTGAGE COMPANY $73,545,000 $48,840,000 -33.6% 11.2%
    Union Bank and Trust Company $33,845,000 n/a 7.7%
    QUICKEN LOANS, LLC $41,450,000 $22,355,000 -46.1% 5.1%
    UNITED WHOLESALE MORTGAGE, LLC $23,325,000 $20,305,000 -12.9% 4.6%
    MASON MCDUFFIE MORTGAGE CORPORATION $12,200,000 $16,070,000 31.7% 3.7%
    Bank of America $23,390,000 $15,620,000 -33.2% 3.6%
    CROSSCOUNTRY MORTGAGE, LLC $11,055,000 $14,795,000 33.8% 3.4%
    GREATER NEVADA LLC $18,940,000 $11,585,000 -38.8% 2.6%
    First-Citizens Bank & Trust Company $805,000 $10,840,000 1,246.6% 2.5%
    EAGLE HOME MORTGAGE, LLC $4,540,000 $10,520,000 131.7% 2.4%
    Zions Bank $18,340,000 $9,035,000 -50.7% 2.1%
    PENNYMAC LOAN SERVICES, LLC $10,215,000 $8,190,000 -19.8% 1.9%
    Morgan Stanley Private Bank $16,025,000 $7,875,000 -50.9% 1.8%
    Alaska USA Federal Credit Union $6,690,000 n/a 1.5%
    JPMorgan Chase Bank $17,575,000 $5,945,000 -66.2% 1.4%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $15,750,000 $5,545,000 -64.8% 1.3%
    PREMIER MORTGAGE RESOURCES, L.L.C. $1,395,000 $5,360,000 284.2% 1.2%
    BMO Harris Bank $105,000 $5,220,000 4,871.4% 1.2%
    NAVY FEDERAL CREDIT UNION $3,355,000 $5,165,000 53.9% 1.2%
    UNITED $15,850,000 $4,685,000 -70.4% 1.1%
    LOANDEPOT.COM, LLC $12,025,000 $4,490,000 -62.7% 1.0%
    FINANCE OF AMERICA REVERSE LLC $9,540,000 $3,935,000 -58.8% 0.9%
    HOMEXPRESS MORTGAGE CORP. $885,000 $3,705,000 318.6% 0.8%
    NexBank $605,000 $3,680,000 508.3% 0.8%
    MidFirst Bank $28,775,000 $3,665,000 -87.3% 0.8%
    Citibank $3,025,000 $3,610,000 19.3% 0.8%
    MOVEMENT MORTGAGE, LLC $8,455,000 $3,500,000 -58.6% 0.8%
    SUMMIT FUNDING, INC. $3,160,000 $3,150,000 -0.3% 0.7%
    Mortgage Research Center, LLC $2,770,000 $2,995,000 8.1% 0.7%
    Wells Fargo Bank $31,930,000 $2,965,000 -90.7% 0.7%
    American Mortgage & Equity Consultants, Inc. $2,895,000 n/a 0.7%
    AXIA FINANCIAL, LLC $1,365,000 $2,460,000 80.2% 0.6%
    BROKER SOLUTIONS, INC. $10,940,000 $2,100,000 -80.8% 0.5%
    ALAMEDA MORTGAGE CORPORATION $1,555,000 $2,015,000 29.6% 0.5%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $5,610,000 $1,960,000 -65.1% 0.4%
    AMERICAN PACIFIC MORTGAGE CORPORATION $3,220,000 $1,945,000 -39.6% 0.4%
    The Loan Store, Inc. $1,905,000 n/a 0.4%
    Prosperity Home Mortgage, LLC $2,795,000 $1,890,000 -32.4% 0.4%
    NEWREZ LLC $2,165,000 $1,860,000 -14.1% 0.4%
    Flagstar Bank, FSB $3,995,000 $1,820,000 -54.4% 0.4%
    Charles Schwab Bank, SSB $7,170,000 $1,810,000 -74.8% 0.4%
    Citizens Business Bank $1,745,000 n/a 0.4%
    PNC Bank $3,850,000 $1,655,000 -57.0% 0.4%
    Goldman Sachs Bank USA $2,700,000 $1,605,000 -40.6% 0.4%
    Washington Federal Bank $1,505,000 n/a 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $4,570,000 $1,465,000 -67.9% 0.3%
    LONGBRIDGE FINANCIAL, LLC $670,000 $1,300,000 94.0% 0.3%
    Mid-America Bank $1,285,000 n/a 0.3%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $235,000 $1,275,000 442.6% 0.3%
    DIGNIFIED HOME LOANS, LLC $265,000 $1,265,000 377.4% 0.3%
    AMERICA FIRST $325,000 $1,225,000 276.9% 0.3%
    LENDSURE MORTGAGE CORP. $765,000 $1,135,000 48.4% 0.3%
    GUARANTEED RATE, INC. $5,665,000 $1,120,000 -80.2% 0.3%
    MUTUAL OF OMAHA MORTGAGE, INC. $5,870,000 $1,120,000 -80.9% 0.3%
    CARDINAL FINANCIAL $4,185,000 $1,065,000 -74.6% 0.2%
    M&T Bank $1,055,000 n/a 0.2%
    MOUNTAIN AMERICA $1,095,000 $1,030,000 -5.9% 0.2%
    Firefighters First Federal Credit Union $610,000 $1,015,000 66.4% 0.2%
    VILLAGE CAPITAL MORTGAGE $1,000,000 n/a 0.2%
    BNY Mellon $990,000 n/a 0.2%
    NBKC BANK $405,000 $980,000 142.0% 0.2%
    BNC National Bank $1,055,000 $940,000 -10.9% 0.2%
    Discover Bank $1,365,000 $935,000 -31.5% 0.2%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $1,915,000 $935,000 -51.2% 0.2%
    Magnolia Bank $125,000 $920,000 636.0% 0.2%
    NFM, INC. $895,000 n/a 0.2%
    Logan Finance Corporation $885,000 n/a 0.2%
    Commerce Home Mortgage, Inc. $1,015,000 $865,000 -14.8% 0.2%
    AFFINITY $845,000 n/a 0.2%
    LENDINGHOME FUNDING CORPORATION $1,110,000 $840,000 -24.3% 0.2%
    AMERISAVE MORTGAGE CORPORATION $2,470,000 $830,000 -66.4% 0.2%
    AmeriHome Mortgage Company, LLC $1,005,000 $790,000 -21.4% 0.2%
    Figure Lending LLC $590,000 $775,000 31.4% 0.2%
    Sierra Pacific Mortgage Company, Inc. $12,125,000 $775,000 -93.6% 0.2%
    Paramount Residential Mortgage Group, Inc. $2,900,000 $760,000 -73.8% 0.2%
    AMERICAN FINANCIAL NETWORK, INC. $670,000 n/a 0.2%
    PHH Mortgage Corporation $1,850,000 $665,000 -64.1% 0.2%
    Citizens National Bank of Texas $655,000 n/a 0.1%
    Willamette Valley Bank $625,000 n/a 0.1%
    PACIFIC RESIDENTIAL MORTGAGE, LLC $590,000 n/a 0.1%
    Raymond James Bank $795,000 $585,000 -26.4% 0.1%
    CMG MORTGAGE, INC. $4,115,000 $580,000 -85.9% 0.1%
    The Federal Savings Bank $2,565,000 $570,000 -77.8% 0.1%
    Glacier Bank $2,770,000 $540,000 -80.5% 0.1%
    LOANPAL, LLC $1,200,000 $520,000 -56.7% 0.1%
    HSBC BANK USA, NATIONAL ASSOCIATION $515,000 n/a 0.1%
    PINNACLE LENDING GROUP, INC. $515,000 n/a 0.1%
    The Central Trust Bank $485,000 $505,000 4.1% 0.1%
    ZILLOW HOME LOANS, LLC $1,945,000 $505,000 -74.0% 0.1%
    Century Mortgage Company DBA Century Lending Company $485,000 n/a 0.1%
    BETTER MORTGAGE CORPORATION $445,000 n/a 0.1%
    Cornerstone First Mortgage, Inc $445,000 n/a 0.1%
    Gateway First Bank $435,000 n/a 0.1%
    NP, Inc. $435,000 n/a 0.1%
    FREEDOM MORTGAGE CORPORATION $2,870,000 $425,000 -85.2% 0.1%
    DHI MORTGAGE COMPANY, LTD. $415,000 n/a 0.1%
    HighTechLending Inc $405,000 n/a 0.1%
    USAA Federal Savings Bank $2,245,000 $405,000 -82.0% 0.1%
    INFINITY EQUITY GROUP, INC. $385,000 n/a 0.1%
    S1L, Inc. $385,000 n/a 0.1%
    People's Bank of Commerce $375,000 n/a 0.1%
    BAY-VALLEY MORTGAGE GROUP $365,000 n/a 0.1%
    CHEVRON $810,000 $345,000 -57.4% 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $335,000 n/a 0.1%
    MANN FINANCIAL INC. $1,710,000 $335,000 -80.4% 0.1%
    ALLIANT CREDIT UNION $250,000 $320,000 28.0% 0.1%
    EVERETT FINANCIAL, INC. $2,440,000 $295,000 -87.9% 0.1%
    VERITAS FUNDING, LLC $295,000 n/a 0.1%
    Utah Mortgage Loan Corporation $285,000 n/a 0.1%
    Meridian Bank Corporation $265,000 n/a 0.1%
    OPEN MORTGAGE, LLC $695,000 $265,000 -61.9% 0.1%
    UNIVERSAL MORTGAGE & FINANCE, INC. $265,000 n/a 0.1%
    ACADEMY MORTGAGE CORPORATION $255,000 n/a 0.1%
    KEYPOINT $255,000 n/a 0.1%
    SPRING EQ, LLC $1,405,000 $250,000 -82.2% 0.1%
    El Dorado Savings Bank, F.S.B. $2,610,000 $235,000 -91.0% 0.1%
    GEORGIA'S OWN $145,000 $230,000 58.6% 0.1%
    AMWEST FUNDING CORP. $885,000 $205,000 -76.8% 0.0%
    Connexus Credit Union $205,000 n/a 0.0%
    UNIFY FINANCIAL Credit Union $175,000 n/a 0.0%
    LANTZMAN MANAGEMENT, INC. $155,000 n/a 0.0%
    LOGIX FEDERAL CREDIT UNION $4,595,000 $155,000 -96.6% 0.0%
    Plains Commerce Bank $155,000 n/a 0.0%
    HomeTrust Bank $150,000 n/a 0.0%
    TJC Mortgage, Inc. $105,000 n/a 0.0%
    PENTAGON FEDERAL CREDIT UNION $1,550,000 $95,000 -93.9% 0.0%
    21ST MORTGAGE CORPORATION $165,000 $85,000 -48.5% 0.0%
    CREDIT HUMAN FEDERAL CREDIT UNION $230,000 $85,000 -63.0% 0.0%
    THRIVENT Federal Credit Union $85,000 n/a 0.0%
    GTE Federal Credit Union $75,000 n/a 0.0%
    Consolidated Federal Credit Union $55,000 n/a 0.0%
    PLANET HOME LENDING, LLC $705,000 $55,000 -92.2% 0.0%
    FIRST TECHNOLOGY $40,000 $45,000 12.5% 0.0%
    Bethpage Federal Credit Union $675,000 $35,000 -94.8% 0.0%
    Carrington Mortgage Services, LLC $1,080,000 $35,000 -96.8% 0.0%
    Great Basin Federal Credit Union $80,000 $35,000 -56.3% 0.0%
    VANDERBILT MORTGAGE AND FINANCE, INC. $25,000 n/a 0.0%

    Gardnerville Ranchos's top lender by overall market share is U.S. Bank, with 11.8% market share. In second place, with 11.2%, is GUILD MORTGAGE COMPANY, having originated $48,840,000 in loans. In third place, with 7.7%, is Union Bank and Trust Company, having originated $33,845,000 in loans. In fourth place, with 5.1%, is QUICKEN LOANS, LLC, having originated $22,355,000 in loans. In fifth place, with 4.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $20,305,000 in loans.

    Gardnerville Ranchos Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Gardnerville Ranchos (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 $599,500 (4.3%) $1,549,244 (-23.5%) 0.00 268
    2018-02-01 $618,450 (8.0%) $1,367,939 (-25.3%) 0.00 245
    2018-03-01 $596,750 (2.5%) $1,607,125 (-15.1%) 0.00 239
    2018-04-01 $604,725 (5.2%) $1,708,296 (-8.6%) 0.00 249
    2018-05-01 $586,100 (1.9%) $1,581,193 (-11.2%) 0.00 278
    2018-06-01 $590,000 (3.8%) $1,585,001 (-6.8%) 0.00 322
    2018-07-01 $625,000 (9.8%) $1,466,252 (-12.0%) 0.00 366
    2018-08-01 $599,250 (5.4%) $1,426,035 (-19.5%) 0.00 386
    2018-09-01 $599,000 (3.5%) $1,515,693 (3.4%) 0.00 383
    2018-10-01 $593,000 (-1.3%) $1,506,296 (7.1%) 0.00 398
    2018-11-01 $587,000 (-4.1%) $1,550,423 (7.3%) 0.00 380
    2018-12-01 $575,000 (-10.6%) $1,560,641 (5.7%) 0.00 363
    2019-01-01 $575,000 (-4.1%) $1,357,780 (-12.4%) 0.00 322
    2019-02-01 $579,000 (-6.4%) $1,391,470 (1.7%) 0.00 299
    2019-03-01 $583,286 (-2.3%) $1,441,976 (-10.3%) 0.00 315
    2019-04-01 $593,350 (-1.9%) $1,497,855 (-12.3%) 0.00 335
    2019-05-01 $597,337 (1.9%) $1,430,665 (-9.5%) 0.00 358
    2019-06-01 $599,000 (1.5%) $1,420,823 (-10.4%) 0.00 378
    2019-07-01 $607,125 (-2.9%) $1,532,137 (4.5%) 0.00 441
    2019-08-01 $625,245 (4.3%) $1,524,811 (6.9%) 0.00 448
    2019-09-01 $639,114 (6.7%) $1,529,268 (0.9%) 0.00 434
    2019-10-01 $648,134 (9.3%) $1,531,946 (1.7%) 0.00 421
    2019-11-01 $649,900 (10.7%) $1,610,642 (3.9%) 0.00 373
    2019-12-01 $657,000 (14.3%) $1,672,668 (7.2%) 0.00 355
    2020-01-01 $649,000 (12.9%) $1,567,252 (15.4%) 0.00 324
    2020-02-01 $649,000 (12.1%) $1,560,695 (12.2%) 0.00 310
    2020-03-01 $686,500 (17.7%) $1,634,493 (13.4%) 0.00 286
    2020-04-01 $665,500 (12.2%) $1,589,873 (6.1%) 0.00 311
    2020-05-01 $659,000 (10.3%) $1,490,116 (4.2%) 0.00 321
    2020-06-01 $762,500 (27.3%) $1,743,909 (22.7%) 0.00 297
    2020-07-01 $772,325 (27.2%) $1,439,961 (-6.0%) 0.00 269
    2020-08-01 $794,000 (27.0%) $1,455,398 (-4.6%) 0.00 222
    2020-09-01 $814,625 (27.5%) $1,900,068 (24.3%) 0.00 188
    2020-10-01 $799,000 (23.3%) $2,008,854 (31.1%) 0.00 173
    2020-11-01 $767,000 (18.0%) $2,001,053 (24.2%) 0.00 157
    2020-12-01 $796,750 (21.3%) $2,161,559 (29.2%) 0.00 130
    2021-01-01 $829,000 (27.7%) $2,515,018 (60.5%) 0.00 98
    2021-02-01 $783,750 (20.8%) $2,696,687 (72.8%) 0.00 92
    2021-03-01 $690,000 (0.5%) $2,114,357 (29.4%) 0.00 96
    2021-04-01 $623,750 (-6.3%) $1,666,009 (4.8%) 0.00 133
    2021-05-01 $704,500 (6.9%) $1,692,858 (13.6%) 0.00 121
    2021-06-01 $779,750 (2.3%) $1,676,846 (-3.9%) 0.00 137
    2021-07-01 $800,000 (3.6%) $1,612,391 (12.0%) 0.00 156
    2021-08-01 $811,950 (2.3%) $1,663,004 (14.3%) 0.00 175
    2021-09-01 $812,250 (-0.3%) $1,660,521 (-12.6%) 0.00 171
    2021-10-01 $799,000 (0.0%) $1,937,856 (-3.5%) 0.00 200
    2021-11-01 $800,000 (4.3%) $1,910,465 (-4.5%) 0.00 167
    2021-12-01 $786,500 (-1.3%) $1,900,262 (-12.1%) 0.00 144
    2022-01-01 $806,950 (-2.7%) $2,119,420 (-15.7%) 0.00 125
    2022-02-01 $849,000 (8.3%) $2,155,044 (-20.1%) 0.00 104
    2022-03-01 $831,056 (20.4%) $1,857,989 (-12.1%) 0.00 105
    2022-04-01 $848,628 (36.1%) $1,743,899 (4.7%) 0.00 137
    2022-05-01 $844,000 (19.8%) $1,673,711 (-1.1%) 0.00 174
    2022-06-01 $825,000 (5.8%) $2,276,314 (35.8%) 0.00 252
    2022-07-01 $829,700 (3.7%) $2,047,015 (27.0%) 0.00 310
    2022-08-01 $825,000 (1.6%) $2,054,261 (23.5%) 0.00 308
    2022-09-01 $804,500 (-1.0%) $2,000,754 (20.5%) 0.00 310
    2022-10-01 $799,000 (0.0%) $1,971,832 (1.8%) 0.00 288
    2022-11-01 $764,806 (-4.4%) $1,764,165 (-7.7%) 0.00 280
    2022-12-01 $765,000 (-2.7%) $1,675,996 (-11.8%) 0.00 260
    2023-01-01 $753,481 (-6.6%) $1,754,413 (-17.2%) 0.00 222
    2023-02-01 $756,750 (-10.9%) $1,940,398 (-10.0%) 0.00 207
    2023-03-01 $722,500 (-13.1%) $2,088,471 (12.4%) 0.00 193
    2023-04-01 $807,900 (-4.8%) $2,134,796 (22.4%) 0.00 190
    2023-05-01 $825,000 (-2.3%) $2,050,056 (22.5%) 0.00 215
    2023-06-01 $845,000 (2.4%) $2,001,726 (-12.1%) 0.00 240
    2023-07-01 $877,000 (5.7%) $2,166,351 (5.8%) 0.00 270
    2023-08-01 $850,550 (3.1%) $2,140,122 (4.2%) 0.00 298
    2023-09-01 $865,000 (7.5%) $2,219,581 (10.9%) 0.00 305
    2023-10-01 $885,925 (10.9%) $2,270,382 (15.1%) 0.00 290
    2023-11-01 $885,375 (15.8%) $2,204,022 (24.9%) 0.00 291
    2023-12-01 $850,000 (11.1%) $2,192,917 (30.8%) 0.00 279
    2024-01-01 $838,882 (11.3%) $2,166,105 (23.5%) 0.00 248
    2024-02-01 $773,475 (2.2%) $1,931,198 (-0.5%) 0.00 240
    2024-03-01 $760,800 (5.3%) $1,805,412 (-13.6%) 0.00 234
    2024-04-01 $805,235 (-0.3%) $1,946,896 (-8.8%) 0.00 236
    2024-05-01 $854,975 (3.6%) $2,032,715 (-0.9%) 0.00 249
    2024-06-01 $844,000 (-0.1%) $1,986,178 (-0.8%) 0.00 278
    2024-07-01 $847,425 (-3.4%) $1,874,159 (-13.5%) 0.00 328
    2024-08-01 $862,000 (1.4%) $1,861,482 (-13.0%) 0.00 341
    2024-09-01 $895,450 (3.5%) $2,042,524 (-8.0%) 0.00 331
    2024-10-01 $889,450 (0.4%) $1,950,604 (-14.1%) 0.00 332
    2024-11-01 $865,000 (-2.3%) $2,517,903 (14.2%) 0.00 334
    2024-12-01 $862,000 (1.4%) $2,451,419 (11.8%) 0.00 308
    2025-01-01 $847,500 (1.0%) $2,449,812 (13.1%) 0.00 290
    Gardnerville Ranchos's median listing price for 2025-01-01 was $847,500, a difference of $8,618 (1.0%) versus the prior year and $-14,500 versus the prior month.

    Gardnerville Ranchos's median listing price comes in at 0% of the national average.

    Gardnerville Ranchos's average listing price for 2025-01-01 was $2,449,812, a difference of $283,707 (13.1%) versus the prior year and $-1,607 versus the prior month.

    For the 2025-01-01 period, Gardnerville Ranchos had 290 MLS listings, a difference of -18 listings (-6%) versus the prior month and 42 listings (17%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Gardnerville Ranchos (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,137 sqft
    2018-02-01 0 days 2,240 sqft
    2018-03-01 0 days 2,236 sqft
    2018-04-01 0 days 2,272 sqft
    2018-05-01 0 days 2,210 sqft
    2018-06-01 0 days 2,203 sqft
    2018-07-01 0 days 2,182 sqft
    2018-08-01 0 days 2,146 sqft
    2018-09-01 0 days 2,143 sqft
    2018-10-01 0 days 2,127 sqft
    2018-11-01 0 days 2,142 sqft
    2018-12-01 0 days 2,140 sqft
    2019-01-01 0 days 2,101 sqft
    2019-02-01 0 days 2,124 sqft
    2019-03-01 0 days 2,095 sqft
    2019-04-01 0 days 2,113 sqft
    2019-05-01 0 days 2,146 sqft
    2019-06-01 0 days 2,225 sqft
    2019-07-01 0 days 2,211 sqft
    2019-08-01 0 days 2,181 sqft
    2019-09-01 0 days 2,212 sqft
    2019-10-01 0 days 2,228 sqft
    2019-11-01 0 days 2,205 sqft
    2019-12-01 0 days 2,228 sqft
    2020-01-01 0 days 2,200 sqft
    2020-02-01 0 days 2,194 sqft
    2020-03-01 0 days 2,292 sqft
    2020-04-01 0 days 2,264 sqft
    2020-05-01 0 days 2,238 sqft
    2020-06-01 0 days 2,486 sqft
    2020-07-01 0 days 2,496 sqft
    2020-08-01 0 days 2,498 sqft
    2020-09-01 0 days 2,442 sqft
    2020-10-01 0 days 2,373 sqft
    2020-11-01 0 days 2,171 sqft
    2020-12-01 0 days 2,315 sqft
    2021-01-01 0 days 2,200 sqft
    2021-02-01 0 days 2,146 sqft
    2021-03-01 0 days 1,995 sqft
    2021-04-01 0 days 1,952 sqft
    2021-05-01 0 days 2,005 sqft
    2021-06-01 0 days 2,040 sqft
    2021-07-01 0 days 2,058 sqft
    2021-08-01 0 days 2,096 sqft
    2021-09-01 0 days 2,138 sqft
    2021-10-01 0 days 2,096 sqft
    2021-11-01 0 days 2,098 sqft
    2021-12-01 0 days 2,012 sqft
    2022-01-01 0 days 2,048 sqft
    2022-02-01 0 days 2,187 sqft
    2022-03-01 0 days 2,031 sqft
    2022-04-01 0 days 2,062 sqft
    2022-05-01 0 days 2,072 sqft
    2022-06-01 0 days 2,074 sqft
    2022-07-01 0 days 2,093 sqft
    2022-08-01 0 days 2,094 sqft
    2022-09-01 0 days 2,113 sqft
    2022-10-01 0 days 2,091 sqft
    2022-11-01 0 days 2,087 sqft
    2022-12-01 0 days 2,072 sqft
    2023-01-01 0 days 2,057 sqft
    2023-02-01 0 days 2,034 sqft
    2023-03-01 0 days 1,963 sqft
    2023-04-01 0 days 2,080 sqft
    2023-05-01 0 days 2,097 sqft
    2023-06-01 0 days 2,082 sqft
    2023-07-01 0 days 2,160 sqft
    2023-08-01 0 days 2,101 sqft
    2023-09-01 0 days 2,191 sqft
    2023-10-01 0 days 2,292 sqft
    2023-11-01 0 days 2,218 sqft
    2023-12-01 0 days 2,196 sqft
    2024-01-01 0 days 2,198 sqft
    2024-02-01 0 days 2,156 sqft
    2024-03-01 0 days 2,117 sqft
    2024-04-01 0 days 2,187 sqft
    2024-05-01 0 days 2,213 sqft
    2024-06-01 0 days 2,156 sqft
    2024-07-01 0 days 2,154 sqft
    2024-08-01 0 days 2,086 sqft
    2024-09-01 0 days 2,133 sqft
    2024-10-01 0 days 2,119 sqft
    2024-11-01 0 days 2,146 sqft
    2024-12-01 0 days 2,166 sqft
    2025-01-01 0 days 2,164 sqft
    Gardnerville Ranchos's median listing age (time on market) for 2025-01-01 was 0 days.

    Gardnerville Ranchos's median square footage for active listings during the 2025-01-01 period was 2,164 sqft. One year prior, the average listing was 2,198 sqft.

    Gardnerville Ranchos, NV Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 533 $321,485,000 $603,161
    Home Improvement 150 $23,080,000 $153,867
    Cash Out Refi 120 $38,260,000 $318,833
    Other 76 $29,080,000 $382,632
    Refi 59 $25,505,000 $432,288

    Gardnerville Ranchos's most frequently cited loan purpose was Home Purchase, with 533 originations. The 2nd most popular reason was Home Improvement, with 150 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 284 $144,550,000 $508,979
    7-8% 238 $124,230,000 $521,975
    Over 8% 205 $36,235,000 $176,756
    5-6% 167 $106,565,000 $638,114
    4-5% 19 $18,685,000 $983,421
    3-4% 17 $3,665,000 $215,588
    <2.5% 4 $40,000 $10,000
    2.5-3% 1 $665,000 $665,000

    During 2023, Gardnerville Ranchos's most frequently originated rate bucket was 6-7%, with 284 originations.

    Loan Sizing (Gardnerville Ranchos, NV MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 254 $77,100,000 $303,543
    $400k-600k 242 $117,030,000 $483,595
    $100,000 or less 167 $9,045,000 $54,162
    $100k-200k 129 $17,315,000 $134,225
    $600k-1000k 96 $71,210,000 $741,771
    $Over $1MM 50 $145,710,000 $2,914,200

    Gardnerville Ranchos's loan sizing saw the bucket of loans from $200k-400k with 254 originations, totaling $77,100,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 241 $124,395,000 $516,162
    Under 20% 224 $19,580,000 $87,411
    60-80% 186 $172,280,000 $926,237
    40-60% 136 $70,450,000 $518,015
    20-40% 133 $39,495,000 $296,955
    Over 100% 8 $4,250,000 $531,250

    Gardnerville Ranchos's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 241 originations, totaling $124,395,000 in origination value.