Gardnerville Ranchos Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Gardnerville Ranchos averaged
6.84%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.57% and
one month ago for the week of 2025-05-15, the
average rate was 6.94%.
Gardnerville Ranchos's average rate one year ago was 6.68%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.11%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Gardnerville Ranchos 30 Year Fixed Rate | 2025-06-18 | 6.84% |
| Gardnerville Ranchos 30 Year Fixed Rate Refi | 2025-06-18 | 7.11% |
| Gardnerville Ranchos 15 Year Fixed Rate | 2025-06-18 | 5.96% |
| Gardnerville Ranchos 15 Year Fixed Rate Refi | 2025-06-18 | 5.96% |
| Gardnerville Ranchos 30 Year FHA | 2025-06-18 | -0.28% |
| Gardnerville Ranchos 30 Year FHA Refi | 2025-06-18 | 0% |
| Gardnerville Ranchos 30 Year USDA | 2025-06-18 | 0.2% |
| Gardnerville Ranchos 30 Year USDA Refi | 2025-06-18 | 0% |
| Gardnerville Ranchos 30 Year VA | 2025-06-18 | -0.2% |
| Gardnerville Ranchos 30 Year VA Refi | 2025-06-18 | 0% |
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.).
Gardnerville Ranchos Average Closing Costs & Other Stats
Gardnerville Ranchos, NV's 92 lenders originated 1,127
loans during 2024. The total origination value was $494,315,000, with an average loan value of
$438,611.
Gardnerville Ranchos's average closing costs are $6,429.
The top Gardnerville Ranchos lender as defined by loan originations is GUILD MORTGAGE COMPANY, with
94 loans originated. Their average total fees are
$9,736, which is $2,370
higher than the next largest lender,
U.S. Bank.
The lowest fee Gardnerville Ranchos lenders (with over 10 loans originated) are
GREATER NEVADA LLC ($5,687), PRIMELENDING, A PLAINSCAPITAL COMPANY ($6,449), U.S. Bank ($7,366), QUICKEN LOANS, LLC ($7,386) and MASON MCDUFFIE MORTGAGE CORPORATION ($7,649).
The lowest rate Gardnerville Ranchos lenders (with over 10 loans originated) are
PREMIER MORTGAGE RESOURCES, L.L.C. (6.16%), U.S. Bank (6.47%), GREATER NEVADA LLC (6.55%), CROSSCOUNTRY MORTGAGE, LLC (6.57%) and QUICKEN LOANS, LLC (6.58%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | $48,840,000 | $65,405,000 | 33.9% | 13.2% |
| U.S. Bank | $51,495,000 | $39,735,000 | -22.8% | 8.0% |
| QUICKEN LOANS, LLC | $22,355,000 | $33,065,000 | 47.9% | 6.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $20,305,000 | $31,130,000 | 53.3% | 6.3% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $16,070,000 | $21,550,000 | 34.1% | 4.4% |
| Bank of America | $15,620,000 | $17,345,000 | 11.0% | 3.5% |
| MidFirst Bank | $3,665,000 | $15,610,000 | 325.9% | 3.2% |
| JPMorgan Chase Bank | $5,945,000 | $12,485,000 | 110.0% | 2.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $14,795,000 | $12,430,000 | -16.0% | 2.5% |
| GREATER NEVADA LLC | $11,585,000 | $11,920,000 | 2.9% | 2.4% |
| PENNYMAC LOAN SERVICES, LLC | $8,190,000 | $11,755,000 | 43.5% | 2.4% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $5,360,000 | $9,835,000 | 83.5% | 2.0% |
| Wells Fargo Bank | $2,965,000 | $9,120,000 | 207.6% | 1.8% |
| Morgan Stanley Private Bank | $7,875,000 | $8,450,000 | 7.3% | 1.7% |
| Zions Bank | $9,035,000 | $8,290,000 | -8.2% | 1.7% |
| Hinsdale Bank & Trust Company | $7,580,000 | n/a | 1.5% | |
| The Loan Store, Inc. | $1,905,000 | $6,590,000 | 245.9% | 1.3% |
| UNITED | $4,685,000 | $6,405,000 | 36.7% | 1.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $5,545,000 | $5,720,000 | 3.2% | 1.2% |
| Mortgage Research Center, LLC | $2,995,000 | $5,160,000 | 72.3% | 1.0% |
| ALAMEDA MORTGAGE CORPORATION | $2,015,000 | $5,025,000 | 149.4% | 1.0% |
| UBS Bank USA | $5,005,000 | n/a | 1.0% | |
| Axos Bank | $4,955,000 | n/a | 1.0% | |
| BMO Harris Bank | $5,220,000 | $4,805,000 | -8.0% | 1.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,120,000 | $4,595,000 | 310.3% | 0.9% |
| NEWREZ LLC | $1,860,000 | $4,440,000 | 138.7% | 0.9% |
| LOANDEPOT.COM, LLC | $4,490,000 | $4,350,000 | -3.1% | 0.9% |
| Goldman Sachs Bank USA | $1,605,000 | $4,210,000 | 162.3% | 0.9% |
| Commerce Home Mortgage, Inc. | $865,000 | $3,810,000 | 340.5% | 0.8% |
| MOVEMENT MORTGAGE, LLC | $3,500,000 | $3,610,000 | 3.1% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $5,165,000 | $3,410,000 | -34.0% | 0.7% |
| Century Mortgage Company DBA Century Lending Company | $485,000 | $2,885,000 | 494.8% | 0.6% |
| Firefighters First Federal Credit Union | $1,015,000 | $2,760,000 | 171.9% | 0.6% |
| Logan Finance Corporation | $885,000 | $2,670,000 | 201.7% | 0.5% |
| FINANCE OF AMERICA REVERSE LLC | $3,935,000 | $2,650,000 | -32.7% | 0.5% |
| Barrington Bank & Trust Company, N.A. | $2,600,000 | n/a | 0.5% | |
| BROKER SOLUTIONS, INC. | $2,100,000 | $2,515,000 | 19.8% | 0.5% |
| Citibank | $3,610,000 | $2,485,000 | -31.2% | 0.5% |
| Citadel Servicing Corporation | $2,475,000 | n/a | 0.5% | |
| SUMMIT FUNDING, INC. | $3,150,000 | $2,445,000 | -22.4% | 0.5% |
| EAGLE HOME MORTGAGE, LLC | $10,520,000 | $2,385,000 | -77.3% | 0.5% |
| Charles Schwab Bank, SSB | $1,810,000 | $2,300,000 | 27.1% | 0.5% |
| Prosperity Home Mortgage, LLC | $1,890,000 | $2,250,000 | 19.0% | 0.5% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $2,185,000 | n/a | 0.4% | |
| Glacier Bank | $540,000 | $2,185,000 | 304.6% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,465,000 | $2,180,000 | 48.8% | 0.4% |
| Hometown Equity Mortgage, LLC | $2,110,000 | n/a | 0.4% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,945,000 | $2,000,000 | 2.8% | 0.4% |
| Paramount Residential Mortgage Group, Inc. | $760,000 | $1,950,000 | 156.6% | 0.4% |
| INFINITY EQUITY GROUP, INC. | $385,000 | $1,900,000 | 393.5% | 0.4% |
| NBKC BANK | $980,000 | $1,900,000 | 93.9% | 0.4% |
| DEEPHAVEN MORTGAGE LLC | $1,840,000 | n/a | 0.4% | |
| GUARANTEED RATE, INC. | $1,120,000 | $1,680,000 | 50.0% | 0.3% |
| S1L, Inc. | $385,000 | $1,495,000 | 288.3% | 0.3% |
| OCMBC, INC. | $1,410,000 | n/a | 0.3% | |
| AMERISAVE MORTGAGE CORPORATION | $830,000 | $1,405,000 | 69.3% | 0.3% |
| The Federal Savings Bank | $570,000 | $1,370,000 | 140.4% | 0.3% |
| The Central Trust Bank | $505,000 | $1,355,000 | 168.3% | 0.3% |
| NexBank | $3,680,000 | $1,345,000 | -63.5% | 0.3% |
| NFM, INC. | $895,000 | $1,255,000 | 40.2% | 0.3% |
| BAY EQUITY LLC | $1,245,000 | n/a | 0.3% | |
| Sierra Pacific Mortgage Company, Inc. | $775,000 | $1,135,000 | 46.5% | 0.2% |
| Washington Trust Bank | $1,105,000 | n/a | 0.2% | |
| Umpqua Bank | $1,095,000 | n/a | 0.2% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,275,000 | $1,060,000 | -16.9% | 0.2% |
| NEW DAY FINANCIAL, LLC | $1,055,000 | n/a | 0.2% | |
| AmeriHome Mortgage Company, LLC | $790,000 | $1,050,000 | 32.9% | 0.2% |
| ZILLOW HOME LOANS, LLC | $505,000 | $1,040,000 | 105.9% | 0.2% |
| 1st Security Bank of Washington | $1,025,000 | n/a | 0.2% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,960,000 | $985,000 | -49.7% | 0.2% |
| General Mortgage Capital Corporation | $895,000 | n/a | 0.2% | |
| Nations Lending Corporation | $895,000 | n/a | 0.2% | |
| AMERITRUST MORTGAGE CORPORATION | $845,000 | n/a | 0.2% | |
| CMG MORTGAGE, INC. | $580,000 | $840,000 | 44.8% | 0.2% |
| AMERICA FIRST | $1,225,000 | $835,000 | -31.8% | 0.2% |
| CANOPY MORTGAGE, LLC | $830,000 | n/a | 0.2% | |
| Discover Bank | $935,000 | $780,000 | -16.6% | 0.2% |
| Plains Commerce Bank | $155,000 | $765,000 | 393.5% | 0.2% |
| Gateway First Bank | $435,000 | $755,000 | 73.6% | 0.2% |
| Merchants Bank of Indiana | $755,000 | n/a | 0.2% | |
| FREEDOM MORTGAGE CORPORATION | $425,000 | $750,000 | 76.5% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $730,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $1,065,000 | $675,000 | -36.6% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $95,000 | $660,000 | 594.7% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $635,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $445,000 | $620,000 | 39.3% | 0.1% |
| SIRVA MORTGAGE, INC. | $595,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $665,000 | $590,000 | -11.3% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $85,000 | $580,000 | 582.4% | 0.1% |
| ALLIANT CREDIT UNION | $320,000 | $575,000 | 79.7% | 0.1% |
| SPRING EQ, LLC | $250,000 | $560,000 | 124.0% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $550,000 | n/a | 0.1% | |
| HighTechLending Inc | $405,000 | $530,000 | 30.9% | 0.1% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $590,000 | $525,000 | -11.0% | 0.1% |
| BNY Mellon | $990,000 | $505,000 | -49.0% | 0.1% |
| GEORGIA'S OWN | $230,000 | $505,000 | 119.6% | 0.1% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $505,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $935,000 | $495,000 | -47.1% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $495,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $3,705,000 | $495,000 | -86.6% | 0.1% |
| AMERICAN FINANCING CORPORATION | $475,000 | n/a | 0.1% | |
| PNC Bank | $1,655,000 | $470,000 | -71.6% | 0.1% |
| ISERVE RESIDENTIAL LENDING, LLC | $465,000 | n/a | 0.1% | |
| FBC MORTGAGE, LLC | $455,000 | n/a | 0.1% | |
| TOP FLITE FINANCIAL, INC. | $455,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $35,000 | $450,000 | 1,185.7% | 0.1% |
| Franklin Loan Corporation | $445,000 | n/a | 0.1% | |
| Shore United Bank | $445,000 | n/a | 0.1% | |
| Golden Empire Mortgage, Inc. | $435,000 | n/a | 0.1% | |
| USAA Federal Savings Bank | $405,000 | $430,000 | 6.2% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $1,000,000 | $425,000 | -57.5% | 0.1% |
| BAY-VALLEY MORTGAGE GROUP | $365,000 | $415,000 | 13.7% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $405,000 | n/a | 0.1% | |
| NEXERA HOLDING LLC | $405,000 | n/a | 0.1% | |
| SNAPFI, INC. | $405,000 | n/a | 0.1% | |
| STAR ONE CREDIT UNION | $405,000 | n/a | 0.1% | |
| Figure Lending LLC | $775,000 | $385,000 | -50.3% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $385,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $55,000 | $375,000 | 581.8% | 0.1% |
| RESIDENTIAL BANCORP | $370,000 | n/a | 0.1% | |
| Royal Business Bank | $355,000 | n/a | 0.1% | |
| Washington Federal Bank | $1,505,000 | $355,000 | -76.4% | 0.1% |
| Equity Prime Mortgage LLC | $345,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $840,000 | $335,000 | -60.1% | 0.1% |
| Goldwater Bank, N.A. | $325,000 | n/a | 0.1% | |
| MOUNTAIN AMERICA | $1,030,000 | $310,000 | -69.9% | 0.1% |
| Farmers Bank & Trust | $305,000 | n/a | 0.1% | |
| UNIFY FINANCIAL Credit Union | $175,000 | $255,000 | 45.7% | 0.1% |
| VAN DYK MORTGAGE CORPORATION | $255,000 | n/a | 0.1% | |
| City National Bank | $235,000 | n/a | 0.0% | |
| JMAC LENDING, INC. | $235,000 | n/a | 0.0% | |
| El Dorado Savings Bank, F.S.B. | $235,000 | $230,000 | -2.1% | 0.0% |
| LOANPAL, LLC | $520,000 | $225,000 | -56.7% | 0.0% |
| Cornerstone First Mortgage, Inc | $445,000 | $215,000 | -51.7% | 0.0% |
| MLD MORTGAGE INC. | $215,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $25,000 | $195,000 | 680.0% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $190,000 | n/a | 0.0% | |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $175,000 | n/a | 0.0% | |
| GTE Federal Credit Union | $75,000 | $115,000 | 53.3% | 0.0% |
| F&A Federal Credit Union | $105,000 | n/a | 0.0% | |
| STANFORD Federal Credit Union | $95,000 | n/a | 0.0% | |
| Flagstar Bank, FSB | $1,820,000 | $75,000 | -95.9% | 0.0% |
| Home Mortgage Alliance Corp | $75,000 | n/a | 0.0% | |
| LOGIX FEDERAL CREDIT UNION | $155,000 | $55,000 | -64.5% | 0.0% |
| LOS ANGELES POLICE Federal Credit Union | $55,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $45,000 | n/a | 0.0% | |
| Great Basin Federal Credit Union | $35,000 | $35,000 | 0.0% | 0.0% |
Gardnerville Ranchos's top lender by overall market share is GUILD MORTGAGE COMPANY, with 13.2% market share. In second place, with 8.0%, is U.S. Bank, having originated $39,735,000 in loans. In third place, with 6.7%, is QUICKEN LOANS, LLC, having originated $33,065,000 in loans. In fourth place, with 6.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $31,130,000 in loans. In fifth place, with 4.4%, is MASON MCDUFFIE MORTGAGE CORPORATION, having originated $21,550,000 in loans.
Gardnerville Ranchos, NV Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 574 | $335,330,000 | $584,199 |
| Cash Out Refi | 186 | $62,990,000 | $338,656 |
| Home Improvement | 147 | $20,565,000 | $139,898 |
| Other | 107 | $24,425,000 | $228,271 |
| Refi | 107 | $48,575,000 | $453,972 |
| NA | 6 | $2,430,000 | $405,000 |
Gardnerville Ranchos's most frequently cited loan purpose was Home Purchase, with 574 originations. The 2nd most popular reason was Cash Out Refi, with 186 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 420 | $218,150,000 | $519,405 |
| Over 8% | 266 | $48,080,000 | $180,752 |
| 7-8% | 214 | $95,840,000 | $447,850 |
| 5-6% | 192 | $101,850,000 | $530,469 |
| 4-5% | 25 | $17,535,000 | $701,400 |
| 3-4% | 3 | $3,015,000 | $1,005,000 |
| <2.5% | 2 | $30,000 | $15,000 |
During 2024, Gardnerville Ranchos's most frequently originated rate bucket was 6-7%, with 420 originations.
Loan Sizing (Gardnerville Ranchos, NV MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $400k-600k | 299 | $144,165,000 | $482,157 |
| $200k-400k | 292 | $88,710,000 | $303,801 |
| $100,000 or less | 177 | $10,385,000 | $58,672 |
| $100k-200k | 151 | $20,965,000 | $138,841 |
| $600k-1000k | 134 | $98,170,000 | $732,612 |
| $Over $1MM | 74 | $131,920,000 | $1,782,703 |
Gardnerville Ranchos's loan sizing saw the bucket of loans from $400k-600k with 299 originations, totaling $144,165,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 276 | $155,850,000 | $564,674 |
| Under 20% | 268 | $26,240,000 | $97,910 |
| 60-80% | 239 | $152,055,000 | $636,213 |
| 40-60% | 166 | $92,870,000 | $559,458 |
| 20-40% | 152 | $48,470,000 | $318,882 |
| Over 100% | 13 | $6,715,000 | $516,538 |
Gardnerville Ranchos's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 276 originations, totaling $155,850,000 in origination value.