Gardnerville Ranchos Mortgage Rates

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

30 Year Fixed Rate mortgages in Gardnerville Ranchos averaged 5.95% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.06% and one month ago for the week of 2022-05-26, the average rate was 5.05%.

Gardnerville Ranchos's average rate one year ago was 3.08%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.89%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Gardnerville Ranchos 30 Year Fixed Rate 2022-06-30 5.95%
Gardnerville Ranchos 30 Year Fixed Rate Refi 2022-06-30 5.89%
Gardnerville Ranchos 15 Year Fixed Rate 2022-06-30 5.14%
Gardnerville Ranchos 15 Year Fixed Rate Refi 2022-06-30 4.8%
Gardnerville Ranchos 30 Year FHA 2022-06-30 5.69%
Gardnerville Ranchos 30 Year FHA Refi 2022-06-30 5.87%
Gardnerville Ranchos 30 Year USDA 2022-06-30 5.55%
Gardnerville Ranchos 30 Year USDA Refi 2022-06-30 5.44%
Gardnerville Ranchos 30 Year VA 2022-06-30 5.72%
Gardnerville Ranchos 30 Year VA Refi 2022-06-30 5.09%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
GUILD MORTGAGE COMPANY 303 3.22% $5,006
QUICKEN LOANS, LLC 244 3.00% $5,949
Sierra Pacific Mortgage Company, Inc. 121 3.26% $5,205
GREATER NEVADA LLC 95 3.21% $5,576
LOANDEPOT.COM, LLC 92 2.91% $5,805
FINANCE OF AMERICA MORTGAGE LLC 91 3.18% $3,895
Wells Fargo Bank 91 2.95% $3,877
U.S. Bank 88 3.07% $7,041
PRIMELENDING, A PLAINSCAPITAL COMPANY 87 3.21% $5,088
UNITED WHOLESALE MORTGAGE, LLC 62 2.97% $5,112
BROKER SOLUTIONS, INC. 53 3.19% $5,159
AMERISAVE MORTGAGE CORPORATION 48 2.84% $3,709
JPMorgan Chase Bank 38 2.84% $5,883
PENNYMAC LOAN SERVICES, LLC 38 2.89% $4,674
MOVEMENT MORTGAGE, LLC 34 3.01% $4,140
Bank of America 29 2.79% $4,591
UNITED 25 3.12% $4,068
HOME POINT FINANCIAL CORPORATION 25 2.93% $5,596
Flagstar Bank, FSB 25 3.17% $5,321
MUTUAL OF OMAHA MORTGAGE, INC. 22 2.97% $4,098
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 22 2.96% $3,641
CALIBER HOME LOANS, INC. 21 3.24% $4,380
GUARANTEED RATE, INC. 19 2.99% $4,657
Charles Schwab Bank, SSB 19 2.46% $4,065
Mr. Cooper ( Nationstar Mortgage ) 18 3.19% $5,514
DIGNIFIED HOME LOANS, LLC 17 3.13% $5,480
LENDUS, LLC 17 3.31% $6,848
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 16 3.27% $7,940
Zions Bancorporation, N.A. 16 2.89% $2,281
NEWREZ LLC 16 3.08% $3,790
Paramount Residential Mortgage Group, Inc. 15 2.94% $4,812
Northpointe Bank 15 3.23% $5,306
AMERICAN PACIFIC MORTGAGE CORPORATION 15 3.01% $4,288
Morgan Stanley Private Bank 14 2.60% $6,172
SUMMIT FUNDING, INC. 14 3.11% $6,445
El Dorado Savings Bank, F.S.B. 13 2.82% $3,042
NBKC BANK 13 2.81% $1,607
NATIONS DIRECT MORTGAGE, LLC 13 2.96% $3,671
First Republic Bank 12 2.84% $15,426
Wolfe Financial, Inc 12 3.49% $7,334
FREEDOM MORTGAGE CORPORATION 12 3.19% $2,556
PROVIDENT FUNDING ASSOCIATES, L.P. 11 2.77% $2,709
Wyndham Capital Mortgage, Inc. 11 2.86% $1,160
ZILLOW HOME LOANS, LLC 11 2.85% $4,256
NAVY FEDERAL CREDIT UNION 10 3.23% $7,423
CALCON MUTUAL MORTGAGE LLC 10 3.16% $5,538
CELEBRITY HOME LOANS, LLC 10 2.99% $5,223
Hometown Lenders, Inc. 9 3.09% $5,041
CMG MORTGAGE, INC. 9 3.16% $6,570
PREMIER MORTGAGE RESOURCES, L.L.C. 9 3.78% $4,824
North American Savings Bank, F.S.B. 8 2.67% $2,374
FirstBank 8 2.83% $2,407
CROSSCOUNTRY MORTGAGE, LLC 8 3.22% $6,183
LOANPAL, LLC 8 3.09% $9,178
Bank of the West 8 2.67% $3,483
Umpqua Bank 7 3.02% $3,883
MidFirst Bank 7 3.30% $17,255
Firefighters First Federal Credit Union 7 2.82% $2,887
CANOPY MORTGAGE, LLC 7 2.85% $2,234
City National Bank 7 2.73% $4,312
PNC Bank 6 2.65% $6,310
PRIMARY RESIDENTIAL MORTGAGE, INC. 6 3.00% $4,431
The Federal Savings Bank 6 3.60% $8,829
UBS Bank USA 6 3.04% $8,448
ALL WESTERN MORTGAGE, INC. 6 3.12% $5,382
InterContinental Capital Group, Inc 6 3.12% $3,846
MUFG Union Bank 5 2.90% $4,172
BNC National Bank 5 2.85% $3,035
IMPAC MORTGAGE CORP. 5 2.75% $0
EAGLE HOME MORTGAGE, LLC 5 3.25% $4,782
LADERA LENDING, INC. 5 3.18% $2,850
AMERICAN FINANCING CORPORATION 5 2.90% $3,659
ISERVE RESIDENTIAL LENDING, LLC 5 3.10% $5,285
BAY EQUITY LLC 5 3.18% $11,785
AMERICAN FINANCIAL NETWORK, INC. 5 2.93% $6,462
Fremont Bank 4 3.21% $501
AXIA FINANCIAL, LLC 4 3.13% $3,136
BEST FINANCE CAPITAL, INC. 4 3.22% $9,940
Citadel Servicing Corporation 4 5.72% $28,442
Commerce Home Mortgage, Inc. 4 3.34% $4,841
LOGIX FEDERAL CREDIT UNION 4 2.78% $5,187
Mortgage Research Center, LLC 4 2.78% $4,528
SNAPFI, INC. 4 3.13% $3,506
SUN WEST MORTGAGE COMPANY, INC. 4 3.00% $3,732
SYNERGY HOME MORTGAGE, LLC 4 3.22% $4,365
Watermark Capital, Inc. 4 2.78% $3,169
Equity Prime Mortgage LLC 3 3.25% $2,999
PHH Mortgage Corporation 3 3.04% $5,594
INFINITY EQUITY GROUP, INC. 3 3.42% $4,871
S1L, Inc. 3 2.96% $16,384
Franklin Loan Corporation 3 3.42% $11,055
WESTERN EXPRESS LENDING 3 3.16% $3,680
AMERICAN INTERNET MORTGAGE, INC. 3 2.67% $3,189
WINNPOINTE CORPORATION 3 2.75% $1,894
GUARANTEED RATE AFFINITY, LLC 3 3.13% $4,873
RESIDENTIAL BANCORP. 3 2.96% $5,974
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 3 3.12% $4,443
Quontic Bank 2 5.94% $14,017
MANN FINANCIAL INC. 2 4.37% $10,650
MOUNTAIN AMERICA 2 3.06% $5,978
OAKTREE FUNDING CORP. 2 4.50% $15,635
AMERICA FIRST 2 3.25% $7,466
MOUNTAIN WEST FINANCIAL, INC. 2 3.00% $21,249
Evolve Bank & Trust 2 2.75% $2,603
Silicon Valley Bank 2 2.50% $11,841
HomeStreet Bank 2 2.75% $2,807
HOMEXPRESS MORTGAGE CORP. 2 3.06% $28,331
Goldman Sachs Bank USA 2 2.50% $4,892
SOFI LENDING CORP. 2 2.94% $2,555
KeyBank 2 3.13% $5,369
PENTAGON FEDERAL CREDIT UNION 2 2.94% $2,236
Amerifirst Financial, Inc. 2 3.25% $5,327
DRAPER AND KRAMER MORTGAGE CORP. 2 3.06% $3,027
CHERRY CREEK MORTGAGE, LLC 2 3.00% $973
JMAC LENDING, INC. 2 2.75% $3,896
Colonial Savings, F.A. 2 3.31% $3,264
BEST CAPITAL FUNDING 2 3.13% $6,029
Axos Bank 2 3.75% $4,841
Cf Bank 1 2.88% $1,085
Carrington Mortgage Services, LLC 1 3.00% $3,726
Providence Bank 1 2.63% $3,070
BLUELEAF LENDING, LLC 1 3.25% $7,018
QUORUM FEDERAL CREDIT UNION 1 2.75% $2,135
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 1 3.25% $6,424
Renasant Bank 1 2.75% $2,341
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 2.88% $4,386
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 3.25% $1,193
SEVERN SAVINGS BANK, FSB DBA SEVERN BANK 1 2.63% $3,382
BBVA USA 1 3.13% $14,469
AmeriHome Mortgage Company, LLC 1 2.88% $5,895
SOVEREIGN LENDING GROUP INCORPORATED 1 2.99% $2,953
STAR ONE CREDIT UNION 1 2.75% $5,319
STEARNS LENDING, LLC 1 2.50% $3,012
Baxter Credit Union 1 2.63% $2,425
Bank of England 1 3.25% $4,557
The Northern Trust Company 1 3.13% $25,673
THRIVENT Federal Credit Union 1 2.88% $2,765
TIAA, FSB 1 2.99% $4,738
Toyota Financial Savings Bank 1 2.88% $5,009
Tri Counties Bank 1 3.25% $12,246
Truist Bank 1 3.30% $1,951
ATHAS CAPITAL GROUP, INC. 1 5.25% $26,290
Armed Forces Bank 1 3.25% $956
UNITED MORTGAGE CORP. 1 3.00% $8,925
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 3.75% $16,086
UNIVERSAL MORTGAGE & FINANCE, INC. 1 3.25% $9,057
USAA Federal Savings Bank 1 3.00% $2,685
ANGEL OAK HOME LOANS LLC 1 3.50% $5,587
Ameris Bank 1 3.38% $4,381
WESCOM CENTRAL CREDIT UNION 1 3.00% $4,598
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 3.38% $10,097
HighTechLending Inc 1 2.88% $2,843
HSBC BANK USA, NATIONAL ASSOCIATION 1 2.62% $3,444
INSPIRE HOME LOANS INC. 1 3.88% $3,025
Glacier Bank 1 2.88% $3,046
INTERNATIONAL CITY MORTGAGE, INC. 1 2.88% $3,525
GENEVA FINANCIAL, LLC 1 3.25% $4,859
Generations Bank 1 3.13% $3,298
KELLER MORTGAGE, LLC 1 3.25% $3,570
Gateway First Bank 1 3.38% $5,939
LAKEVIEW LOAN SERVICING, LLC 1 3.25% $1,170
LEADERONE FINANCIAL CORPORATION 1 4.00% $8,513
AEROSPACE FEDERAL CREDIT UNION 1 2.88% $20,102
First National Bank 1 2.25% $4,358
Manufacturers and Traders Trust Company 1 2.88% $3,321
Meridian Bank Corporation 1 2.99% $3,099
First Federal Bank 1 2.75% $4,761
ML Mortgage Corp. 1 3.38% $4,734
First Bank 1 3.63% $3,685
MORTGAGE MANAGEMENT CONSULTANTS, INC. 1 2.63% $2,745
EVERETT FINANCIAL, INC. 1 3.25% $1,765
Nations Lending Corporation 1 3.25% $3,883
DIRECT MORTGAGE, CORP. 1 3.25% $7,861
Comerica Bank 1 3.25% $4,426
NFM, INC. 1 2.75% $4,168
CITYWIDE HOME LOANS, LLC 1 3.25% $3,462
Citibank 1 2.38% $7,515
NOVA FINANCIAL & INVESTMENT CORPORATION 1 3.38% $2,776
ONY GLO, INC. 1 2.63% $2,469
PACIFIC RESIDENTIAL MORTGAGE, LLC 1 3.63% $3,897
CIT Bank 1 3.08% $3,507
CIBC Bank USA 1 2.25% $9,508
Platinum Home Mortgage Corporation 1 2.88% $3,258
CHEVRON 1 3.13% $4,779

Gardnerville Ranchos, NV's 184 lenders originated 3,831 loans during 2021. The total origination value was $1,583,845,000, with an average loan value of $413,429.

The top Gardnerville Ranchos lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 303 loans originated. Their average total fees are $5,006, which is $943 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Gardnerville Ranchos lenders (with over 10 loans originated) are Wyndham Capital Mortgage, Inc. ($1,160), NBKC BANK ($1,607), Zions Bancorporation, N.A. ($2,281), FREEDOM MORTGAGE CORPORATION ($2,556) and PROVIDENT FUNDING ASSOCIATES, L.P. ($2,709).

The lowest rate Gardnerville Ranchos lenders (with over 10 loans originated) are Charles Schwab Bank, SSB (2.46%), Morgan Stanley Private Bank (2.60%), PROVIDENT FUNDING ASSOCIATES, L.P. (2.77%), Bank of America (2.79%) and NBKC BANK (2.81%).

Gardnerville Ranchos, NV Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
GUILD MORTGAGE COMPANY $167,715,000 $148,095,000 -11.7% 9.4%
QUICKEN LOANS, LLC $132,810,000 $122,590,000 -7.7% 7.7%
Wells Fargo Bank $94,870,000 $86,720,000 -8.6% 5.5%
U.S. Bank $83,720,000 $75,455,000 -9.9% 4.8%
LOANDEPOT.COM, LLC $41,710,000 $61,645,000 47.8% 3.9%
Sierra Pacific Mortgage Company, Inc. $74,115,000 $60,350,000 -18.6% 3.8%
JPMorgan Chase Bank $39,255,000 $57,510,000 46.5% 3.6%
FINANCE OF AMERICA MORTGAGE LLC $52,760,000 $40,345,000 -23.5% 2.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $48,205,000 $39,940,000 -17.1% 2.5%
First Republic Bank $24,105,000 $38,030,000 57.8% 2.4%
BROKER SOLUTIONS, INC. $36,955,000 $33,880,000 -8.3% 2.1%
UNITED WHOLESALE MORTGAGE, LLC $30,905,000 $33,410,000 8.1% 2.1%
GREATER NEVADA LLC $44,530,000 $32,195,000 -27.7% 2.0%
FREEDOM MORTGAGE CORPORATION $29,635,000 $29,565,000 -0.2% 1.9%
PENNYMAC LOAN SERVICES, LLC $18,585,000 $26,950,000 45.0% 1.7%
Charles Schwab Bank, SSB $6,030,000 $26,815,000 344.7% 1.7%
Bank of America $35,135,000 $23,755,000 -32.4% 1.5%
Morgan Stanley Private Bank $21,750,000 $21,210,000 -2.5% 1.3%
AMERISAVE MORTGAGE CORPORATION $12,495,000 $20,835,000 66.7% 1.3%
UNITED $14,805,000 $18,690,000 26.2% 1.2%
MOVEMENT MORTGAGE, LLC $20,210,000 $16,530,000 -18.2% 1.0%
GUARANTEED RATE, INC. $4,225,000 $16,480,000 290.1% 1.0%
UBS Bank USA $21,575,000 $16,045,000 -25.6% 1.0%
Zions Bancorporation, N.A. $11,760,000 $15,820,000 34.5% 1.0%
Flagstar Bank, FSB $13,255,000 $15,505,000 17.0% 1.0%
MidFirst Bank $13,185,000 $15,505,000 17.6% 1.0%
CALIBER HOME LOANS, INC. $7,950,000 $14,335,000 80.3% 0.9%
MUTUAL OF OMAHA MORTGAGE, INC. $16,915,000 $14,090,000 -16.7% 0.9%
HOME POINT FINANCIAL CORPORATION $3,540,000 $13,560,000 283.1% 0.9%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $15,395,000 $12,930,000 -16.0% 0.8%
Silicon Valley Bank $555,000 $12,280,000 2,112.6% 0.8%
Mr. Cooper ( Nationstar Mortgage ) $11,560,000 $11,825,000 2.3% 0.7%
Bank of the West $12,125,000 $10,925,000 -9.9% 0.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $7,655,000 $10,230,000 33.6% 0.6%
SUMMIT FUNDING, INC. $3,510,000 $10,225,000 191.3% 0.6%
LENDUS, LLC $10,100,000 $9,495,000 -6.0% 0.6%
NAVY FEDERAL CREDIT UNION $13,570,000 $9,250,000 -31.8% 0.6%
DIGNIFIED HOME LOANS, LLC $4,325,000 $8,205,000 89.7% 0.5%
City National Bank $8,910,000 $7,900,000 -11.3% 0.5%
NBKC BANK $6,850,000 $7,665,000 11.9% 0.5%
Northpointe Bank $2,750,000 $7,500,000 172.7% 0.5%
Mortgage Research Center, LLC $9,750,000 $6,975,000 -28.5% 0.4%
NEWREZ LLC $4,640,000 $6,845,000 47.5% 0.4%
Paramount Residential Mortgage Group, Inc. $14,610,000 $6,670,000 -54.3% 0.4%
AMERICAN PACIFIC MORTGAGE CORPORATION $5,770,000 $6,225,000 7.9% 0.4%
Hometown Lenders, Inc. $2,855,000 $5,990,000 109.8% 0.4%
CMG MORTGAGE, INC. $3,890,000 $5,890,000 51.4% 0.4%
Umpqua Bank $4,370,000 $5,755,000 31.7% 0.4%
CROSSCOUNTRY MORTGAGE, LLC $4,660,000 $5,735,000 23.1% 0.4%
CELEBRITY HOME LOANS, LLC $5,660,000 n/a 0.4%
The Federal Savings Bank $10,150,000 $5,360,000 -47.2% 0.3%
Tri Counties Bank $5,255,000 n/a 0.3%
SUN WEST MORTGAGE COMPANY, INC. $2,720,000 $5,250,000 93.0% 0.3%
NATIONS DIRECT MORTGAGE, LLC $1,980,000 $5,210,000 163.1% 0.3%
AMERICAN ADVISORS GROUP $2,770,000 $5,090,000 83.8% 0.3%
Citadel Servicing Corporation $4,875,000 n/a 0.3%
ALL WESTERN MORTGAGE, INC. $1,495,000 $4,865,000 225.4% 0.3%
Wolfe Financial, Inc $1,785,000 $4,810,000 169.5% 0.3%
BAY EQUITY LLC $1,140,000 $4,790,000 320.2% 0.3%
FirstBank $4,130,000 $4,735,000 14.6% 0.3%
PNC Bank $1,795,000 $4,590,000 155.7% 0.3%
LAKEVIEW LOAN SERVICING, LLC $3,860,000 $4,540,000 17.6% 0.3%
AMERICAN FINANCIAL NETWORK, INC. $7,035,000 $4,435,000 -37.0% 0.3%
North American Savings Bank, F.S.B. $5,725,000 $4,380,000 -23.5% 0.3%
CALCON MUTUAL MORTGAGE LLC $3,990,000 $4,160,000 4.3% 0.3%
Wyndham Capital Mortgage, Inc. $2,455,000 $4,150,000 69.0% 0.3%
ZILLOW HOME LOANS, LLC $4,055,000 n/a 0.3%
PREMIER MORTGAGE RESOURCES, L.L.C. $855,000 $3,810,000 345.6% 0.2%
LOANPAL, LLC $6,695,000 $3,770,000 -43.7% 0.2%
AMERICAN INTERNET MORTGAGE, INC. $2,130,000 $3,555,000 66.9% 0.2%
CLEARPATH LENDING $5,690,000 $3,550,000 -37.6% 0.2%
Goldman Sachs Bank USA $1,805,000 $3,500,000 93.9% 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $4,000,000 $3,455,000 -13.6% 0.2%
Firefighters First Federal Credit Union $1,160,000 $3,440,000 196.6% 0.2%
LADERA LENDING, INC. $3,330,000 $3,260,000 -2.1% 0.2%
El Dorado Savings Bank, F.S.B. $5,615,000 $3,190,000 -43.2% 0.2%
NEW DAY FINANCIAL, LLC $1,440,000 $3,165,000 119.8% 0.2%
InterContinental Capital Group, Inc $385,000 $3,020,000 684.4% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $6,840,000 $3,010,000 -56.0% 0.2%
First Interstate Bank $3,005,000 n/a 0.2%
MUFG Union Bank $3,720,000 $3,005,000 -19.2% 0.2%
BBVA USA $2,975,000 n/a 0.2%
ISERVE RESIDENTIAL LENDING, LLC $4,360,000 $2,760,000 -36.7% 0.2%
USAA Federal Savings Bank $6,950,000 $2,710,000 -61.0% 0.2%
Franklin Loan Corporation $740,000 $2,655,000 258.8% 0.2%
PENTAGON FEDERAL CREDIT UNION $750,000 $2,655,000 254.0% 0.2%
AMERICAN FINANCING CORPORATION $2,575,000 n/a 0.2%
S1L, Inc. $2,550,000 n/a 0.2%
HOMEXPRESS MORTGAGE CORP. $405,000 $2,540,000 527.2% 0.2%
EAGLE HOME MORTGAGE, LLC $475,000 $2,520,000 430.5% 0.2%
CIBC Bank USA $2,505,000 n/a 0.2%
The Northern Trust Company $2,505,000 n/a 0.2%
MOUNTAIN AMERICA $3,180,000 $2,495,000 -21.5% 0.2%
GUARANTEED RATE AFFINITY, LLC $720,000 $2,465,000 242.4% 0.2%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $3,870,000 $2,400,000 -38.0% 0.2%
LOGIX FEDERAL CREDIT UNION $265,000 $2,270,000 756.6% 0.1%
SNAPFI, INC. $2,175,000 $2,155,000 -0.9% 0.1%
PHH Mortgage Corporation $1,045,000 $2,065,000 97.6% 0.1%
Comerica Bank $3,355,000 $2,010,000 -40.1% 0.1%
Glacier Bank $3,910,000 $2,000,000 -48.8% 0.1%
BNC National Bank $2,965,000 $1,995,000 -32.7% 0.1%
IMPAC MORTGAGE CORP. $2,630,000 $1,980,000 -24.7% 0.1%
Fremont Bank $1,435,000 $1,975,000 37.6% 0.1%
CANOPY MORTGAGE, LLC $1,030,000 $1,945,000 88.8% 0.1%
FINANCE OF AMERICA COMMERCIAL LLC $1,090,000 $1,930,000 77.1% 0.1%
LENDINGHOME FUNDING CORPORATION $1,865,000 n/a 0.1%
CHERRY CREEK MORTGAGE, LLC $325,000 $1,850,000 469.2% 0.1%
HSBC BANK USA, NATIONAL ASSOCIATION $745,000 $1,830,000 145.6% 0.1%
TCF National Bank $2,360,000 $1,800,000 -23.7% 0.1%
ANGEL OAK HOME LOANS LLC $1,705,000 n/a 0.1%
Equity Prime Mortgage LLC $770,000 $1,685,000 118.8% 0.1%
MOUNTAIN WEST FINANCIAL, INC. $1,680,000 n/a 0.1%
BM Real Estate Services, Inc. $275,000 $1,670,000 507.3% 0.1%
FINANCE OF AMERICA REVERSE LLC $1,080,000 $1,660,000 53.7% 0.1%
KeyBank $1,570,000 n/a 0.1%
LANTZMAN MANAGEMENT, INC. $255,000 $1,550,000 507.8% 0.1%
SYNERGY HOME MORTGAGE, LLC $2,205,000 $1,490,000 -32.4% 0.1%
Watermark Capital, Inc. $710,000 $1,485,000 109.2% 0.1%
LONGBRIDGE FINANCIAL, LLC $750,000 $1,405,000 87.3% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $3,015,000 $1,390,000 -53.9% 0.1%
BEST FINANCE CAPITAL, INC. $1,370,000 n/a 0.1%
Evolve Bank & Trust $880,000 $1,365,000 55.1% 0.1%
Citibank $10,125,000 $1,355,000 -86.6% 0.1%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $1,345,000 n/a 0.1%
Quontic Bank $1,330,000 n/a 0.1%
Low VA Rates, LLC $1,330,000 $1,300,000 -2.3% 0.1%
Commerce Home Mortgage, Inc. $2,515,000 $1,290,000 -48.7% 0.1%
Amerifirst Financial, Inc. $1,275,000 n/a 0.1%
AEROSPACE FEDERAL CREDIT UNION $1,245,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $1,700,000 $1,215,000 -28.5% 0.1%
JMAC LENDING, INC. $335,000 $1,215,000 262.7% 0.1%
BEST CAPITAL FUNDING $345,000 $1,155,000 234.8% 0.1%
PLANET HOME LENDING, LLC $1,295,000 $1,150,000 -11.2% 0.1%
Gateway First Bank $915,000 $1,115,000 21.9% 0.1%
MANN FINANCIAL INC. $1,825,000 $1,085,000 -40.5% 0.1%
OAKTREE FUNDING CORP. $1,080,000 n/a 0.1%
AXIA FINANCIAL, LLC $4,165,000 $1,060,000 -74.5% 0.1%
Axos Bank $3,875,000 $1,060,000 -72.6% 0.1%
WINNPOINTE CORPORATION $1,035,000 n/a 0.1%
STAR ONE CREDIT UNION $1,030,000 n/a 0.1%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $1,025,000 n/a 0.1%
PLAZA HOME MORTGAGE, INC. $1,020,000 $975,000 -4.4% 0.1%
WESTERN EXPRESS LENDING $935,000 $975,000 4.3% 0.1%
BLUELEAF LENDING, LLC $470,000 $965,000 105.3% 0.1%
First Federal Bank $1,280,000 $925,000 -27.7% 0.1%
INFINITY EQUITY GROUP, INC. $925,000 n/a 0.1%
RESIDENTIAL BANCORP. $905,000 n/a 0.1%
Alaska USA Federal Credit Union $475,000 $885,000 86.3% 0.1%
INSPIRE HOME LOANS INC. $295,000 $860,000 191.5% 0.1%
QUORUM FEDERAL CREDIT UNION $395,000 $765,000 93.7% 0.0%
REVERSE MORTGAGE FUNDING LLC $405,000 $750,000 85.2% 0.0%
VILLAGE CAPITAL & INVESTMENT LLC $2,000,000 $750,000 -62.5% 0.0%
KS StateBank $560,000 $745,000 33.0% 0.0%
Carrington Mortgage Services, LLC $1,795,000 $725,000 -59.6% 0.0%
Nations Lending Corporation $710,000 n/a 0.0%
NORTHROP GRUMMAN Federal Credit Union $705,000 n/a 0.0%
Cornerstone First Mortgage, Inc $800,000 $660,000 -17.5% 0.0%
AMERICA FIRST $155,000 $650,000 319.4% 0.0%
KELLER MORTGAGE, LLC $195,000 $650,000 233.3% 0.0%
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY $590,000 $650,000 10.2% 0.0%
CIT Bank $1,745,000 $645,000 -63.0% 0.0%
HighTechLending Inc $670,000 $640,000 -4.5% 0.0%
Toyota Financial Savings Bank $635,000 n/a 0.0%
ATHAS CAPITAL GROUP, INC. $615,000 n/a 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $715,000 $585,000 -18.2% 0.0%
Colonial Savings, F.A. $245,000 $575,000 134.7% 0.0%
HomeStreet Bank $1,005,000 $560,000 -44.3% 0.0%
Magnolia Bank $730,000 $550,000 -24.7% 0.0%
Ameris Bank $495,000 $545,000 10.1% 0.0%
NOVA FINANCIAL & INVESTMENT CORPORATION $1,235,000 $545,000 -55.9% 0.0%
UNITED MORTGAGE CORP. $545,000 n/a 0.0%
Meridian Bank Corporation $770,000 $540,000 -29.9% 0.0%
ALLIANT CREDIT UNION $590,000 $535,000 -9.3% 0.0%
Renasant Bank $580,000 $530,000 -8.6% 0.0%
ML Mortgage Corp. $515,000 $525,000 1.9% 0.0%
ALAMEDA MORTGAGE CORPORATION $355,000 $505,000 42.3% 0.0%
F&A Federal Credit Union $505,000 n/a 0.0%
SOFI LENDING CORP. $630,000 $495,000 -21.4% 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $490,000 n/a 0.0%
OPEN MORTGAGE, LLC $255,000 $475,000 86.3% 0.0%
Goldwater Bank, N.A. $455,000 n/a 0.0%
GENEVA FINANCIAL, LLC $1,005,000 $445,000 -55.7% 0.0%
HOMEOWNERS FINANCIAL GROUP USA, LLC $945,000 $445,000 -52.9% 0.0%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $445,000 n/a 0.0%
CITYWIDE HOME LOANS, LLC $165,000 $435,000 163.6% 0.0%
Figure Lending LLC $245,000 $430,000 75.5% 0.0%
UNIVERSAL MORTGAGE & FINANCE, INC. $245,000 $425,000 73.5% 0.0%
Cf Bank $345,000 $395,000 14.5% 0.0%
First Guaranty Mortgage Corporation $2,980,000 $385,000 -87.1% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $380,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $1,695,000 $370,000 -78.2% 0.0%
INTELLILOAN, INC. $1,085,000 $365,000 -66.4% 0.0%
First Bank $645,000 $355,000 -45.0% 0.0%
Generations Bank $355,000 n/a 0.0%
COMMUNITY MORTGAGE FUNDING, LLC $800,000 $335,000 -58.1% 0.0%
WESCOM CENTRAL CREDIT UNION $325,000 n/a 0.0%
STEARNS LENDING, LLC $2,540,000 $315,000 -87.6% 0.0%
Bank of England $620,000 $295,000 -52.4% 0.0%
UNION HOME MORTGAGE CORP. $295,000 n/a 0.0%
AmeriHome Mortgage Company, LLC $285,000 n/a 0.0%
First Savings Bank $1,000,000 $275,000 -72.5% 0.0%
ON Q FINANCIAL, INC. $1,500,000 $275,000 -81.7% 0.0%
PACIFIC RESIDENTIAL MORTGAGE, LLC $275,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $355,000 $265,000 -25.4% 0.0%
SPRING EQ, LLC $265,000 n/a 0.0%
BELEM SERVICING LLC $255,000 n/a 0.0%
CITIZENS EQUITY FIRST $465,000 $255,000 -45.2% 0.0%
NFM, INC. $255,000 n/a 0.0%
INTERNATIONAL CITY MORTGAGE, INC. $945,000 $245,000 -74.1% 0.0%
MORTGAGE MANAGEMENT CONSULTANTS, INC. $265,000 $235,000 -11.3% 0.0%
ONY GLO, INC. $515,000 $235,000 -54.4% 0.0%
TIAA, FSB $1,120,000 $235,000 -79.0% 0.0%
DIRECT MORTGAGE, CORP. $225,000 n/a 0.0%
Baxter Credit Union $215,000 n/a 0.0%
Providence Bank $215,000 n/a 0.0%
Armed Forces Bank $205,000 n/a 0.0%
First National Bank $225,000 $205,000 -8.9% 0.0%
LEADERONE FINANCIAL CORPORATION $515,000 $205,000 -60.2% 0.0%
Manufacturers and Traders Trust Company $205,000 n/a 0.0%
MASON MCDUFFIE MORTGAGE CORPORATION $2,185,000 $205,000 -90.6% 0.0%
Platinum Home Mortgage Corporation $205,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $1,055,000 $205,000 -80.6% 0.0%
CHEVRON $815,000 $195,000 -76.1% 0.0%
Citizens Bank $345,000 $185,000 -46.4% 0.0%
SEVERN SAVINGS BANK, FSB DBA SEVERN BANK $185,000 n/a 0.0%
Truist Bank $1,110,000 $155,000 -86.0% 0.0%
THRIVENT Federal Credit Union $145,000 n/a 0.0%
EVERETT FINANCIAL, INC. $4,785,000 $125,000 -97.4% 0.0%
21ST MORTGAGE CORPORATION $105,000 n/a 0.0%
Discover Bank $520,000 $90,000 -82.7% 0.0%
SILVER STATE SCHOOLS SERVICE COMPANY, LLC $65,000 n/a 0.0%

Gardnerville Ranchos's top lender by overall market share is GUILD MORTGAGE COMPANY, with 9.4% market share. In second place, with 7.7%, is QUICKEN LOANS, LLC, having originated $122,590,000 in loans. In third place, with 5.5%, is Wells Fargo Bank, having originated $86,720,000 in loans. In third place, with 4.8%, is U.S. Bank, having originated $75,455,000 in loans. In third place, with 3.9%, is LOANDEPOT.COM, LLC, having originated $61,645,000 in loans.


Gardnerville Ranchos, NV Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 1,558 $512,360,000 $328,858
Cash Out Refi 1,053 $416,555,000 $395,589
Home Purchase 966 $550,030,000 $569,389
Home Improvement 153 $38,115,000 $249,118
Other 98 $65,750,000 $670,918
NA 3 $1,035,000 $345,000

Gardnerville Ranchos's most frequently cited loan purpose was Refi, with 1,558 originations. The 2nd most popular reason was Cash Out Refi, with 1,053 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 1,619 $648,195,000 $400,368
3-4% 1,335 $532,895,000 $399,172
<2.5% 748 $367,650,000 $491,511
4-5% 79 $18,825,000 $238,291
5-6% 22 $4,550,000 $206,818
6-7% 11 $5,745,000 $522,273
Over 8% 8 $3,560,000 $445,000
7-8% 7 $1,765,000 $252,143

During 2021, Gardnerville Ranchos's most frequently originated rate bucket was 2.5-3%, with 1,619 originations.

Loan Sizing (Gardnerville Ranchos, NV MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,845 $548,735,000 $297,417
$400k-600k 880 $425,930,000 $484,011
$100k-200k 571 $88,625,000 $155,210
$600k-1000k 223 $167,535,000 $751,278
$Over $1MM 160 $343,650,000 $2,147,813
$100,000 or less 152 $9,370,000 $61,645

Gardnerville Ranchos's loan sizing saw the bucket of loans from $200k-400k with 1,845 originations, totaling $548,735,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 1,170 $630,400,000 $538,803
40-60% 1,057 $407,705,000 $385,719
20-40% 623 $175,095,000 $281,051
80-100% 613 $288,975,000 $471,411
Under 20% 213 $29,275,000 $137,441
Over 100% 26 $12,730,000 $489,615

Gardnerville Ranchos's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,170 originations, totaling $630,400,000 in origination value.


Market Conditions (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 $640,000 (9.4%) $2,129,172 (-11.3%) 0.00 218
2018-02-01 $662,450 (11.9%) $1,842,231 (-22.1%) 0.00 203
2018-03-01 $650,000 (3.0%) $2,174,718 (-10.7%) 0.00 199
2018-04-01 $654,500 (9.3%) $2,194,317 (-8.9%) 0.00 208
2018-05-01 $633,200 (8.2%) $2,000,442 (-8.6%) 0.00 243
2018-06-01 $647,000 (9.7%) $1,962,040 (-4.7%) 0.00 290
2018-07-01 $640,000 (6.8%) $1,818,510 (-8.2%) 0.00 337
2018-08-01 $626,859 (-3.4%) $1,682,920 (-25.6%) 0.00 348
2018-09-01 $635,000 (-2.2%) $1,967,423 (3.0%) 0.00 336
2018-10-01 $627,450 (-6.3%) $2,071,734 (13.0%) 0.00 352
2018-11-01 $599,700 (-11.8%) $2,121,786 (13.3%) 0.00 333
2018-12-01 $595,000 (-14.4%) $2,247,437 (12.1%) 0.00 309
2019-01-01 $599,900 (-6.3%) $2,057,385 (-3.4%) 0.00 276
2019-02-01 $634,500 (-4.2%) $2,136,747 (16.0%) 0.00 254
2019-03-01 $620,943 (-4.5%) $2,046,024 (-5.9%) 0.00 274
2019-04-01 $645,493 (-1.4%) $2,023,372 (-7.8%) 0.00 292
2019-05-01 $633,750 (0.1%) $1,871,636 (-6.4%) 0.00 328
2019-06-01 $650,000 (0.5%) $1,910,205 (-2.6%) 0.00 344
2019-07-01 $664,500 (3.8%) $2,115,141 (16.3%) 0.00 395
2019-08-01 $683,429 (9.0%) $2,080,595 (23.6%) 0.00 403
2019-09-01 $673,429 (6.1%) $2,040,262 (3.7%) 0.00 399
2019-10-01 $698,500 (11.3%) $2,052,251 (-0.9%) 0.00 374
2019-11-01 $699,000 (16.6%) $2,166,318 (2.1%) 0.00 324
2019-12-01 $699,500 (17.6%) $2,217,059 (-1.4%) 0.00 310
2020-01-01 $690,000 (15.0%) $1,997,193 (-2.9%) 0.00 278
2020-02-01 $690,000 (8.8%) $1,988,621 (-6.9%) 0.00 271
2020-03-01 $757,500 (22.0%) $2,242,495 (9.6%) 0.00 251
2020-04-01 $754,000 (16.8%) $2,155,424 (6.5%) 0.00 275
2020-05-01 $745,000 (17.6%) $1,990,808 (6.4%) 0.00 287
2020-06-01 $832,000 (28.0%) $2,313,029 (21.1%) 0.00 261
2020-07-01 $799,000 (20.2%) $2,065,405 (-2.4%) 0.00 233
2020-08-01 $865,000 (26.6%) $1,907,332 (-8.3%) 0.00 191
2020-09-01 $899,500 (33.6%) $2,598,053 (27.3%) 0.00 155
2020-10-01 $875,000 (25.3%) $2,714,055 (32.3%) 0.00 139
2020-11-01 $865,000 (23.8%) $2,843,935 (31.3%) 0.00 123
2020-12-01 $879,000 (25.7%) $2,831,447 (27.7%) 0.00 105
2021-01-01 $899,000 (30.3%) $3,019,077 (51.2%) 0.00 77
2021-02-01 $964,500 (39.8%) $3,487,053 (75.4%) 0.00 70
2021-03-01 $767,500 (1.3%) $2,554,656 (13.9%) 0.00 74
2021-04-01 $749,500 (-0.6%) $2,278,750 (5.7%) 0.00 120
2021-05-01 $799,000 (7.3%) $2,203,839 (10.7%) 0.00 110
2021-06-01 $857,000 (3.0%) $2,206,398 (-4.6%) 0.00 123
2021-07-01 $885,000 (10.8%) $2,053,777 (-0.6%) 0.00 141
2021-08-01 $889,500 (2.8%) $2,111,411 (10.7%) 0.00 154
2021-09-01 $882,950 (-1.8%) $2,099,487 (-19.2%) 0.00 146
2021-10-01 $890,000 (1.7%) $2,389,482 (-12.0%) 0.00 178
2021-11-01 $897,000 (3.7%) $2,340,377 (-17.7%) 0.00 159
2021-12-01 $899,000 (2.3%) $2,292,194 (-19.1%) 0.00 140
2022-01-01 $899,000 (0.0%) $2,694,707 (-10.7%) 0.00 115
2022-02-01 $912,000 (-5.4%) $2,572,536 (-26.2%) 0.00 88
2022-03-01 $881,153 (14.8%) $2,245,899 (-12.1%) 0.00 86
2022-04-01 $899,000 (20.0%) $2,112,630 (-7.3%) 0.00 115
2022-05-01 $895,000 (12.0%) $1,935,754 (-12.2%) 0.00 159
2022-06-01 $857,500 (0.1%) $2,562,346 (16.1%) 0.00 228
Gardnerville Ranchos's median listing price for 2022-06-01 was $857,500, a difference of $500 (0.1%) versus the prior year and $-37,500 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 2022-06-01 was $2,562,346, a difference of $355,948 (16.1%) versus the prior year and $626,592 versus the prior month.

For the 2022-06-01 period, Gardnerville Ranchos had 228 MLS listings, a difference of 69 listings (43%) versus the prior month and 105 listings (85%) 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 2,233 sqft
2018-02-01 0 days 2,340 sqft
2018-03-01 0 days 2,350 sqft
2018-04-01 0 days 2,423 sqft
2018-05-01 0 days 2,331 sqft
2018-06-01 0 days 2,320 sqft
2018-07-01 0 days 2,237 sqft
2018-08-01 0 days 2,189 sqft
2018-09-01 0 days 2,224 sqft
2018-10-01 0 days 2,212 sqft
2018-11-01 0 days 2,214 sqft
2018-12-01 0 days 2,280 sqft
2019-01-01 0 days 2,262 sqft
2019-02-01 0 days 2,265 sqft
2019-03-01 0 days 2,196 sqft
2019-04-01 0 days 2,274 sqft
2019-05-01 0 days 2,257 sqft
2019-06-01 0 days 2,351 sqft
2019-07-01 0 days 2,351 sqft
2019-08-01 0 days 2,306 sqft
2019-09-01 0 days 2,292 sqft
2019-10-01 0 days 2,388 sqft
2019-11-01 0 days 2,397 sqft
2019-12-01 0 days 2,415 sqft
2020-01-01 0 days 2,437 sqft
2020-02-01 0 days 2,443 sqft
2020-03-01 0 days 2,540 sqft
2020-04-01 0 days 2,545 sqft
2020-05-01 0 days 2,528 sqft
2020-06-01 0 days 2,683 sqft
2020-07-01 0 days 2,707 sqft
2020-08-01 0 days 2,675 sqft
2020-09-01 0 days 2,659 sqft
2020-10-01 0 days 2,633 sqft
2020-11-01 0 days 2,512 sqft
2020-12-01 0 days 2,556 sqft
2021-01-01 0 days 2,514 sqft
2021-02-01 0 days 2,530 sqft
2021-03-01 0 days 2,345 sqft
2021-04-01 0 days 2,133 sqft
2021-05-01 0 days 2,168 sqft
2021-06-01 0 days 2,142 sqft
2021-07-01 0 days 2,152 sqft
2021-08-01 0 days 2,219 sqft
2021-09-01 0 days 2,277 sqft
2021-10-01 0 days 2,168 sqft
2021-11-01 0 days 2,159 sqft
2021-12-01 0 days 2,136 sqft
2022-01-01 0 days 2,174 sqft
2022-02-01 0 days 2,300 sqft
2022-03-01 0 days 2,136 sqft
2022-04-01 0 days 2,168 sqft
2022-05-01 0 days 2,104 sqft
2022-06-01 0 days 2,119 sqft
Gardnerville Ranchos's median listing age (time on market) for 2022-06-01 was 0 days.

Gardnerville Ranchos's median square footage for active listings during the 2022-06-01 period was 2,119 sqft. One year prior, the average listing was 2,142 sqft.