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 6.73% for the week of 2024-11-14, compared to the national average of 6.78% for the same period.

    The average rate for the prior week (2024-11-07) was 6.44% and one month ago for the week of 2024-10-10, the average rate was 5.97%.

    Gardnerville Ranchos's average rate one year ago was 7.35%.

    For refis of the same type during the week of 2024-11-14, the average rate was 6.88%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-14 6.78%
    Gardnerville Ranchos 30 Year Fixed Rate 2024-11-14 6.73%
    Gardnerville Ranchos 30 Year Fixed Rate Refi 2024-11-14 6.88%
    Gardnerville Ranchos 15 Year Fixed Rate 2024-11-14 5.89%
    Gardnerville Ranchos 15 Year Fixed Rate Refi 2024-11-14 5.99%
    Gardnerville Ranchos 30 Year FHA 2024-11-14 -0.2%
    Gardnerville Ranchos 30 Year FHA Refi 2024-11-14 0%
    Gardnerville Ranchos 30 Year USDA 2024-11-14 0%
    Gardnerville Ranchos 30 Year USDA Refi 2024-11-14 0.1%
    Gardnerville Ranchos 30 Year VA 2024-11-14 0%
    Gardnerville Ranchos 30 Year VA Refi 2024-11-14 -0.2%
    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 $655,750 (9.5%) $1,733,342 (-25.6%) 0.00 216
    2018-02-01 $696,000 (11.5%) $1,521,001 (-30.8%) 0.00 193
    2018-03-01 $689,000 (6.1%) $1,839,456 (-18.8%) 0.00 190
    2018-04-01 $654,500 (2.3%) $1,932,636 (-12.0%) 0.00 199
    2018-05-01 $630,900 (0.8%) $1,742,891 (-15.1%) 0.00 230
    2018-06-01 $636,000 (6.2%) $1,724,887 (-11.2%) 0.00 271
    2018-07-01 $667,000 (11.4%) $1,587,701 (-16.4%) 0.00 313
    2018-08-01 $629,429 (0.8%) $1,534,392 (-24.4%) 0.00 327
    2018-09-01 $627,500 (-3.3%) $1,666,049 (0.6%) 0.00 316
    2018-10-01 $623,475 (-9.3%) $1,667,377 (5.2%) 0.00 329
    2018-11-01 $599,250 (-14.2%) $1,715,404 (5.2%) 0.00 315
    2018-12-01 $585,000 (-18.5%) $1,748,948 (3.5%) 0.00 296
    2019-01-01 $593,625 (-9.5%) $1,512,159 (-12.8%) 0.00 262
    2019-02-01 $595,125 (-14.5%) $1,570,124 (3.2%) 0.00 236
    2019-03-01 $605,286 (-12.2%) $1,628,245 (-11.5%) 0.00 250
    2019-04-01 $619,500 (-5.4%) $1,663,806 (-13.9%) 0.00 270
    2019-05-01 $621,625 (-1.5%) $1,551,736 (-11.0%) 0.00 300
    2019-06-01 $639,000 (0.5%) $1,549,315 (-10.2%) 0.00 313
    2019-07-01 $662,375 (-0.7%) $1,707,000 (7.5%) 0.00 363
    2019-08-01 $692,627 (10.0%) $1,710,982 (11.5%) 0.00 366
    2019-09-01 $696,718 (11.0%) $1,715,758 (3.0%) 0.00 362
    2019-10-01 $698,495 (12.0%) $1,715,055 (2.9%) 0.00 356
    2019-11-01 $699,000 (16.7%) $1,831,129 (6.8%) 0.00 312
    2019-12-01 $707,450 (20.9%) $1,890,188 (8.1%) 0.00 296
    2020-01-01 $698,000 (17.6%) $1,801,717 (19.2%) 0.00 264
    2020-02-01 $687,500 (15.5%) $1,793,027 (14.2%) 0.00 255
    2020-03-01 $753,875 (24.6%) $1,893,897 (16.3%) 0.00 232
    2020-04-01 $728,500 (17.6%) $1,827,773 (9.9%) 0.00 256
    2020-05-01 $720,000 (15.8%) $1,665,330 (7.3%) 0.00 272
    2020-06-01 $793,500 (24.2%) $1,967,390 (27.0%) 0.00 252
    2020-07-01 $796,750 (20.3%) $1,620,445 (-5.1%) 0.00 221
    2020-08-01 $835,900 (20.7%) $1,620,129 (-5.3%) 0.00 178
    2020-09-01 $884,125 (26.9%) $2,282,241 (33.0%) 0.00 146
    2020-10-01 $850,000 (21.7%) $2,377,675 (38.6%) 0.00 132
    2020-11-01 $838,750 (20.0%) $2,378,008 (29.9%) 0.00 121
    2020-12-01 $863,250 (22.0%) $2,617,479 (38.5%) 0.00 98
    2021-01-01 $912,000 (30.7%) $3,100,757 (72.1%) 0.00 72
    2021-02-01 $900,175 (30.9%) $3,446,921 (92.2%) 0.00 66
    2021-03-01 $801,500 (6.3%) $2,558,757 (35.1%) 0.00 70
    2021-04-01 $712,000 (-2.3%) $1,923,520 (5.2%) 0.00 108
    2021-05-01 $799,000 (11.0%) $1,946,512 (16.9%) 0.00 97
    2021-06-01 $850,500 (7.2%) $1,936,412 (-1.6%) 0.00 109
    2021-07-01 $862,500 (8.3%) $1,808,517 (11.6%) 0.00 125
    2021-08-01 $914,500 (9.4%) $1,890,986 (16.7%) 0.00 143
    2021-09-01 $903,000 (2.1%) $1,852,970 (-18.8%) 0.00 142
    2021-10-01 $870,000 (2.4%) $2,140,956 (-10.0%) 0.00 172
    2021-11-01 $885,750 (5.6%) $2,116,421 (-11.0%) 0.00 144
    2021-12-01 $879,000 (1.8%) $2,109,245 (-19.4%) 0.00 123
    2022-01-01 $885,000 (-3.0%) $2,434,293 (-21.5%) 0.00 102
    2022-02-01 $924,975 (2.8%) $2,605,579 (-24.4%) 0.00 78
    2022-03-01 $884,500 (10.4%) $2,267,069 (-11.4%) 0.00 78
    2022-04-01 $899,999 (26.4%) $2,045,426 (6.3%) 0.00 106
    2022-05-01 $883,725 (10.6%) $1,892,837 (-2.8%) 0.00 144
    2022-06-01 $849,950 (-0.1%) $2,549,194 (31.7%) 0.00 215
    2022-07-01 $849,500 (-1.5%) $2,245,560 (24.2%) 0.00 272
    2022-08-01 $844,000 (-7.7%) $2,234,645 (18.2%) 0.00 271
    2022-09-01 $844,250 (-6.5%) $2,157,865 (16.5%) 0.00 276
    2022-10-01 $834,000 (-4.1%) $2,096,406 (-2.1%) 0.00 259
    2022-11-01 $783,750 (-11.5%) $1,874,538 (-11.4%) 0.00 250
    2022-12-01 $798,000 (-9.2%) $1,839,645 (-12.8%) 0.00 227
    2023-01-01 $799,250 (-9.7%) $1,983,818 (-18.5%) 0.00 188
    2023-02-01 $799,000 (-13.6%) $2,224,690 (-14.6%) 0.00 177
    2023-03-01 $809,306 (-8.5%) $2,438,284 (7.6%) 0.00 160
    2023-04-01 $895,000 (-0.6%) $2,505,778 (22.5%) 0.00 156
    2023-05-01 $897,000 (1.5%) $2,331,208 (23.2%) 0.00 181
    2023-06-01 $944,472 (11.1%) $2,246,248 (-11.9%) 0.00 205
    2023-07-01 $998,000 (17.5%) $2,480,008 (10.4%) 0.00 222
    2023-08-01 $920,500 (9.1%) $2,420,858 (8.3%) 0.00 250
    2023-09-01 $949,000 (12.4%) $2,522,890 (16.9%) 0.00 258
    2023-10-01 $980,500 (17.6%) $2,563,640 (22.3%) 0.00 246
    2023-11-01 $972,000 (24.0%) $2,485,198 (32.6%) 0.00 244
    2023-12-01 $944,450 (18.4%) $2,464,848 (34.0%) 0.00 235
    2024-01-01 $919,450 (15.0%) $2,440,737 (23.0%) 0.00 210
    2024-02-01 $857,450 (7.3%) $2,185,262 (-1.8%) 0.00 201
    2024-03-01 $805,950 (-0.4%) $2,065,843 (-15.3%) 0.00 193
    2024-04-01 $880,975 (-1.6%) $2,242,571 (-10.5%) 0.00 199
    2024-05-01 $982,750 (9.6%) $2,381,905 (2.2%) 0.00 209
    2024-06-01 $914,000 (-3.2%) $2,334,527 (3.9%) 0.00 228
    2024-07-01 $948,250 (-5.0%) $2,150,529 (-13.3%) 0.00 270
    2024-08-01 $983,500 (6.8%) $2,127,084 (-12.1%) 0.00 287
    2024-09-01 $970,950 (2.3%) $2,265,193 (-10.2%) 0.00 286
    2024-10-01 $959,750 (-2.1%) $2,129,841 (-16.9%) 0.00 289
    Gardnerville Ranchos's median listing price for 2024-10-01 was $959,750, a difference of $-20,750 (-2.1%) versus the prior year and $-11,200 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 2024-10-01 was $2,129,841, a difference of $-433,799 (-16.9%) versus the prior year and $-135,352 versus the prior month.

    For the 2024-10-01 period, Gardnerville Ranchos had 289 MLS listings, a difference of 3 listings (1%) versus the prior month and 43 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 2,288 sqft
    2018-02-01 0 days 2,388 sqft
    2018-03-01 0 days 2,392 sqft
    2018-04-01 0 days 2,381 sqft
    2018-05-01 0 days 2,308 sqft
    2018-06-01 0 days 2,309 sqft
    2018-07-01 0 days 2,238 sqft
    2018-08-01 0 days 2,185 sqft
    2018-09-01 0 days 2,195 sqft
    2018-10-01 0 days 2,197 sqft
    2018-11-01 0 days 2,209 sqft
    2018-12-01 0 days 2,218 sqft
    2019-01-01 0 days 2,187 sqft
    2019-02-01 0 days 2,226 sqft
    2019-03-01 0 days 2,162 sqft
    2019-04-01 0 days 2,198 sqft
    2019-05-01 0 days 2,229 sqft
    2019-06-01 0 days 2,285 sqft
    2019-07-01 0 days 2,302 sqft
    2019-08-01 0 days 2,304 sqft
    2019-09-01 0 days 2,358 sqft
    2019-10-01 0 days 2,388 sqft
    2019-11-01 0 days 2,375 sqft
    2019-12-01 0 days 2,421 sqft
    2020-01-01 0 days 2,434 sqft
    2020-02-01 0 days 2,431 sqft
    2020-03-01 0 days 2,489 sqft
    2020-04-01 0 days 2,455 sqft
    2020-05-01 0 days 2,446 sqft
    2020-06-01 0 days 2,615 sqft
    2020-07-01 0 days 2,658 sqft
    2020-08-01 0 days 2,665 sqft
    2020-09-01 0 days 2,635 sqft
    2020-10-01 0 days 2,579 sqft
    2020-11-01 0 days 2,376 sqft
    2020-12-01 0 days 2,544 sqft
    2021-01-01 0 days 2,514 sqft
    2021-02-01 0 days 2,521 sqft
    2021-03-01 0 days 2,330 sqft
    2021-04-01 0 days 2,082 sqft
    2021-05-01 0 days 2,116 sqft
    2021-06-01 0 days 2,161 sqft
    2021-07-01 0 days 2,152 sqft
    2021-08-01 0 days 2,215 sqft
    2021-09-01 0 days 2,301 sqft
    2021-10-01 0 days 2,140 sqft
    2021-11-01 0 days 2,149 sqft
    2021-12-01 0 days 2,107 sqft
    2022-01-01 0 days 2,136 sqft
    2022-02-01 0 days 2,299 sqft
    2022-03-01 0 days 2,155 sqft
    2022-04-01 0 days 2,204 sqft
    2022-05-01 0 days 2,109 sqft
    2022-06-01 0 days 2,139 sqft
    2022-07-01 0 days 2,136 sqft
    2022-08-01 0 days 2,126 sqft
    2022-09-01 0 days 2,134 sqft
    2022-10-01 0 days 2,119 sqft
    2022-11-01 0 days 2,122 sqft
    2022-12-01 0 days 2,128 sqft
    2023-01-01 0 days 2,174 sqft
    2023-02-01 0 days 2,132 sqft
    2023-03-01 0 days 2,109 sqft
    2023-04-01 0 days 2,232 sqft
    2023-05-01 0 days 2,203 sqft
    2023-06-01 0 days 2,209 sqft
    2023-07-01 0 days 2,319 sqft
    2023-08-01 0 days 2,249 sqft
    2023-09-01 0 days 2,342 sqft
    2023-10-01 0 days 2,460 sqft
    2023-11-01 0 days 2,335 sqft
    2023-12-01 0 days 2,272 sqft
    2024-01-01 0 days 2,272 sqft
    2024-02-01 0 days 2,206 sqft
    2024-03-01 0 days 2,202 sqft
    2024-04-01 0 days 2,293 sqft
    2024-05-01 0 days 2,369 sqft
    2024-06-01 0 days 2,232 sqft
    2024-07-01 0 days 2,224 sqft
    2024-08-01 0 days 2,193 sqft
    2024-09-01 0 days 2,192 sqft
    2024-10-01 0 days 2,168 sqft
    Gardnerville Ranchos's median listing age (time on market) for 2024-10-01 was 0 days.

    Gardnerville Ranchos's median square footage for active listings during the 2024-10-01 period was 2,168 sqft. One year prior, the average listing was 2,460 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.