Winnemucca Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Winnemucca averaged 6.52% for the week of 2024-12-05, compared to the national average of 6.69% for the same period.

The average rate for the prior week (2024-11-27) was 6.54% and one month ago for the week of 2024-10-31, the average rate was 6.85%.

Winnemucca's average rate one year ago was 7.15%.

For refis of the same type during the week of 2024-12-05, the average rate was 6.59%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-12-05 6.69%
Winnemucca 30 Year Fixed Rate 2024-12-05 6.52%
Winnemucca 30 Year Fixed Rate Refi 2024-12-05 6.59%
Winnemucca 15 Year Fixed Rate 2024-12-05 6.16%
Winnemucca 15 Year Fixed Rate Refi 2024-12-05 5.96%
Winnemucca 30 Year FHA 2024-12-05 6.06%
Winnemucca 30 Year FHA Refi 2024-12-05 6.16%
Winnemucca 30 Year USDA 2024-12-05 6.53%
Winnemucca 30 Year USDA Refi 2024-12-05 6.53%
Winnemucca 30 Year VA 2024-12-05 5.94%
Winnemucca 30 Year VA Refi 2024-12-05 6.24%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Winnemucca, NV.

Winnemucca 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 Winnemucca, 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
AMERICAN PACIFIC MORTGAGE CORPORATION 26 6.64% $9,609
PACIFIC RESIDENTIAL MORTGAGE, LLC 14 6.97% $9,740
BROKER SOLUTIONS, INC. 10 6.51% $9,767
QUICKEN LOANS, LLC 7 6.48% $7,423
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 6 6.93% $6,934
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 7.17% $12,262
PENNYMAC LOAN SERVICES, LLC 3 6.29% $10,323
GUILD MORTGAGE COMPANY 3 6.83% $10,136
GREATER NEVADA LLC 3 6.25% $6,368
21ST MORTGAGE CORPORATION 3 8.90% $7,034
U.S. Bank 2 6.44% $7,769
LOANDEPOT.COM, LLC 2 6.50% $5,562
UNITED 2 6.25% $13,121
Zions Bank 1 5.88% $4,052
ACADEMY MORTGAGE CORPORATION 1 6.63% $14,656
Century Mortgage Company DBA Century Lending Company 1 5.99% $11,296
CROSSCOUNTRY MORTGAGE, LLC 1 6.88% $7,340
FIRST TECHNOLOGY 1 6.63% $2,752
GENEVA FINANCIAL, LLC 1 5.63% $4,959
MANN FINANCIAL INC. 1 7.50% $6,543
NAVY FEDERAL CREDIT UNION 1 5.50% $4,096
NEWREZ LLC 1 6.13% $7,060
PINNACLE LENDING GROUP, INC. 1 7.38% $6,711
Stifel Bank and Trust 1 5.75% $3,625
SUN WEST MORTGAGE COMPANY, INC. 1 7.13% $18,539
Wells Fargo Bank 1 6.50% $7,233

Winnemucca Average Closing Costs & Other Stats

Winnemucca, NV's 26 lenders originated 315 loans during 2023. The total origination value was $82,185,000, with an average loan value of $260,905.

Winnemucca's average closing costs are $6,702.

The top Winnemucca lender as defined by loan originations is AMERICAN PACIFIC MORTGAGE CORPORATION, with 26 loans originated. Their average total fees are $9,609, which is $131 lower than the next largest lender, PACIFIC RESIDENTIAL MORTGAGE, LLC.

The lowest fee Winnemucca lenders (with over 10 loans originated) are AMERICAN PACIFIC MORTGAGE CORPORATION ($9,609), PACIFIC RESIDENTIAL MORTGAGE, LLC ($9,740), BROKER SOLUTIONS, INC. ($9,767), .

The lowest rate Winnemucca lenders (with over 10 loans originated) are BROKER SOLUTIONS, INC. (6.51%), AMERICAN PACIFIC MORTGAGE CORPORATION (6.64%), PACIFIC RESIDENTIAL MORTGAGE, LLC (6.97%), .

Winnemucca, 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
AMERICAN PACIFIC MORTGAGE CORPORATION $705,000 $22,695,000 3,119.1% 27.6%
PACIFIC RESIDENTIAL MORTGAGE, LLC $4,850,000 $13,395,000 176.2% 16.3%
BROKER SOLUTIONS, INC. $4,155,000 $6,735,000 62.1% 8.2%
21ST MORTGAGE CORPORATION $910,000 $3,965,000 335.7% 4.8%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $10,690,000 $3,735,000 -65.1% 4.5%
QUICKEN LOANS, LLC $4,870,000 $3,630,000 -25.5% 4.4%
GUILD MORTGAGE COMPANY $3,070,000 $2,600,000 -15.3% 3.2%
PENNYMAC LOAN SERVICES, LLC $310,000 $2,455,000 691.9% 3.0%
Century Mortgage Company DBA Century Lending Company $1,855,000 n/a 2.3%
U.S. Bank $3,415,000 $1,770,000 -48.2% 2.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $515,000 $1,395,000 170.9% 1.7%
Zions Bank $2,105,000 $1,365,000 -35.2% 1.7%
UNITED $805,000 $1,060,000 31.7% 1.3%
ACADEMY MORTGAGE CORPORATION $730,000 $1,025,000 40.4% 1.2%
GREATER NEVADA LLC $205,000 $1,020,000 397.6% 1.2%
UNITED WHOLESALE MORTGAGE, LLC $1,780,000 $1,010,000 -43.3% 1.2%
NAVY FEDERAL CREDIT UNION $1,685,000 $815,000 -51.6% 1.0%
AMERISAVE MORTGAGE CORPORATION $2,280,000 $730,000 -68.0% 0.9%
LOANDEPOT.COM, LLC $3,755,000 $665,000 -82.3% 0.8%
LOANPAL, LLC $640,000 n/a 0.8%
NEWREZ LLC $790,000 $640,000 -19.0% 0.8%
ISERVE RESIDENTIAL LENDING, LLC $710,000 $620,000 -12.7% 0.8%
CROSSCOUNTRY MORTGAGE, LLC $215,000 $565,000 162.8% 0.7%
Paramount Residential Mortgage Group, Inc. $1,265,000 $510,000 -59.7% 0.6%
Flagstar Bank, FSB $495,000 $495,000 0.0% 0.6%
Wells Fargo Bank $2,490,000 $480,000 -80.7% 0.6%
Stifel Bank and Trust $445,000 n/a 0.5%
Mortgage Research Center, LLC $1,875,000 $410,000 -78.1% 0.5%
CITYWIDE HOME LOANS, LLC $305,000 $395,000 29.5% 0.5%
SUN WEST MORTGAGE COMPANY, INC. $395,000 n/a 0.5%
FIRST TECHNOLOGY $385,000 n/a 0.5%
AMERICAN FINANCIAL NETWORK, INC. $315,000 n/a 0.4%
VELOCITY COMMERCIAL CAPITAL, LLC $335,000 $295,000 -11.9% 0.4%
LAKEVIEW LOAN SERVICING, LLC $1,905,000 $285,000 -85.0% 0.3%
TJC Mortgage, Inc. $275,000 n/a 0.3%
SUMMIT FUNDING, INC. $3,020,000 $270,000 -91.1% 0.3%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $265,000 n/a 0.3%
PINNACLE LENDING GROUP, INC. $245,000 n/a 0.3%
The Loan Store, Inc. $235,000 n/a 0.3%
LADERA LENDING, INC. $225,000 n/a 0.3%
FINANCE OF AMERICA REVERSE LLC $215,000 n/a 0.3%
The Federal Savings Bank $285,000 $205,000 -28.1% 0.2%
FREEDOM MORTGAGE CORPORATION $3,200,000 $185,000 -94.2% 0.2%
MANN FINANCIAL INC. $175,000 n/a 0.2%
AMERICA FIRST $530,000 $170,000 -67.9% 0.2%
PLANET HOME LENDING, LLC $205,000 $135,000 -34.1% 0.2%
Arvest Bank $855,000 $125,000 -85.4% 0.2%
MOUNTAIN AMERICA $1,355,000 $115,000 -91.5% 0.1%
PHH Mortgage Corporation $445,000 $115,000 -74.2% 0.1%
GENEVA FINANCIAL, LLC $95,000 n/a 0.1%
Bank of America $290,000 $65,000 -77.6% 0.1%
Discover Bank $205,000 $65,000 -68.3% 0.1%
Washington Federal Bank $65,000 n/a 0.1%
Figure Lending LLC $55,000 n/a 0.1%
GEORGIA'S OWN $55,000 n/a 0.1%
MID AMERICA MORTGAGE, INC. $35,000 n/a 0.0%

Winnemucca's top lender by overall market share is AMERICAN PACIFIC MORTGAGE CORPORATION, with 27.6% market share. In second place, with 16.3%, is PACIFIC RESIDENTIAL MORTGAGE, LLC, having originated $13,395,000 in loans. In third place, with 8.2%, is BROKER SOLUTIONS, INC., having originated $6,735,000 in loans. In fourth place, with 4.8%, is 21ST MORTGAGE CORPORATION, having originated $3,965,000 in loans. In fifth place, with 4.5%, is EVERGREEN MONEYSOURCE MORTGAGE COMPANY, having originated $3,735,000 in loans.


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

Realtor.com - Winnemucca (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 $229,450 (27.5%) $217,623 (13.1%) 0.00 18
2018-02-01 $247,225 (38.5%) $221,520 (12.0%) 0.00 19
2018-03-01 $268,000 (42.6%) $235,400 (12.5%) 0.00 19
2018-04-01 $262,450 (31.3%) $243,112 (10.0%) 0.00 17
2018-05-01 $254,500 (25.7%) $247,586 (10.7%) 0.00 21
2018-06-01 $245,000 (16.3%) $241,900 (8.1%) 0.00 21
2018-07-01 $227,975 (6.6%) $224,401 (2.6%) 0.00 18
2018-08-01 $229,900 (26.9%) $250,008 (22.1%) 0.00 18
2018-09-01 $239,000 (29.2%) $262,345 (25.6%) 0.00 30
2018-10-01 $221,175 (12.7%) $242,409 (17.0%) 0.00 33
2018-11-01 $218,000 (-0.9%) $240,301 (13.0%) 0.00 41
2018-12-01 $214,500 (-10.6%) $234,933 (5.1%) 0.00 42
2019-01-01 $214,500 (-6.5%) $230,177 (5.8%) 0.00 42
2019-02-01 $215,250 (-12.9%) $243,874 (10.1%) 0.00 40
2019-03-01 $227,643 (-15.1%) $325,802 (38.4%) 0.00 33
2019-04-01 $244,250 (-6.9%) $437,834 (80.1%) 0.00 33
2019-05-01 $245,500 (-3.5%) $337,424 (36.3%) 0.00 35
2019-06-01 $252,450 (3.0%) $266,363 (10.1%) 0.00 42
2019-07-01 $272,000 (19.3%) $282,195 (25.8%) 0.00 55
2019-08-01 $284,372 (23.7%) $286,692 (14.7%) 0.00 56
2019-09-01 $264,757 (10.8%) $276,076 (5.2%) 0.00 57
2019-10-01 $244,700 (10.6%) $265,542 (9.5%) 0.00 57
2019-11-01 $249,750 (14.6%) $274,333 (14.2%) 0.00 42
2019-12-01 $263,725 (23.0%) $286,054 (21.8%) 0.00 31
2020-01-01 $277,000 (29.1%) $287,113 (24.7%) 0.00 30
2020-02-01 $287,450 (33.5%) $283,782 (16.4%) 0.00 28
2020-03-01 $276,500 (21.5%) $275,273 (-15.5%) 0.00 25
2020-04-01 $274,000 (12.2%) $271,739 (-37.9%) 0.00 28
2020-05-01 $274,450 (11.8%) $280,205 (-17.0%) 0.00 23
2020-06-01 $279,900 (10.9%) $309,158 (16.1%) 0.00 21
2020-07-01 $274,900 (1.1%) $311,661 (10.4%) 0.00 17
2020-08-01 $272,400 (-4.2%) $302,977 (5.7%) 0.00 21
2020-09-01 $311,225 (17.6%) $806,427 (192.1%) 0.00 25
2020-10-01 $275,000 (12.4%) $870,235 (227.7%) 0.00 20
2020-11-01 $380,500 (52.4%) $981,789 (257.9%) 0.00 17
2020-12-01 $382,500 (45.0%) $1,249,079 (336.7%) 0.00 9
2021-01-01 $379,000 (36.8%) $356,488 (24.2%) 0.00 6
2021-02-01 $365,000 (27.0%) $344,607 (21.4%) 0.00 5
2021-03-01 $349,000 (26.2%) $326,731 (18.7%) 0.00 8
2021-04-01 $259,900 (-5.2%) $296,535 (9.1%) 0.00 9
2021-05-01 $312,000 (13.7%) $339,979 (21.3%) 0.00 13
2021-06-01 $317,225 (13.3%) $345,563 (11.8%) 0.00 13
2021-07-01 $299,000 (8.8%) $326,160 (4.7%) 0.00 11
2021-08-01 $377,000 (38.4%) $505,624 (66.9%) 0.00 20
2021-09-01 $388,125 (24.7%) $527,051 (-34.6%) 0.00 22
2021-10-01 $297,450 (8.2%) $469,677 (-46.0%) 0.00 22
2021-11-01 $359,675 (-5.5%) $560,442 (-42.9%) 0.00 16
2021-12-01 $374,450 (-2.1%) $555,862 (-55.5%) 0.00 17
2022-01-01 $341,000 (-10.0%) $566,139 (58.8%) 0.00 17
2022-02-01 $414,550 (13.6%) $540,661 (56.9%) 0.00 31
2022-03-01 $421,875 (20.9%) $545,604 (67.0%) 0.00 31
2022-04-01 $409,000 (57.4%) $512,197 (72.7%) 0.00 35
2022-05-01 $427,375 (37.0%) $512,364 (50.7%) 0.00 42
2022-06-01 $409,500 (29.1%) $510,381 (47.7%) 0.00 43
2022-07-01 $442,500 (48.0%) $522,140 (60.1%) 0.00 47
2022-08-01 $418,500 (11.0%) $475,179 (-6.0%) 0.00 56
2022-09-01 $419,225 (8.0%) $475,631 (-9.8%) 0.00 49
2022-10-01 $427,450 (43.7%) $437,868 (-6.8%) 0.00 49
2022-11-01 $428,750 (19.2%) $440,970 (-21.3%) 0.00 49
2022-12-01 $432,500 (15.5%) $437,020 (-21.4%) 0.00 45
2023-01-01 $450,000 (32.0%) $441,671 (-22.0%) 0.00 41
2023-02-01 $429,900 (3.7%) $431,477 (-20.2%) 0.00 43
2023-03-01 $442,050 (4.8%) $436,647 (-20.0%) 0.00 43
2023-04-01 $453,900 (11.0%) $428,287 (-16.4%) 0.00 42
2023-05-01 $411,425 (-3.7%) $411,703 (-19.7%) 0.00 48
2023-06-01 $416,650 (1.8%) $420,276 (-17.7%) 0.00 45
2023-07-01 $372,450 (-15.8%) $415,339 (-20.5%) 0.00 47
2023-08-01 $368,675 (-11.9%) $420,681 (-11.5%) 0.00 46
2023-09-01 $359,900 (-14.2%) $419,761 (-11.8%) 0.00 37
2023-10-01 $359,900 (-15.8%) $418,528 (-4.4%) 0.00 41
2023-11-01 $383,725 (-10.5%) $437,352 (-0.8%) 0.00 39
2023-12-01 $444,550 (2.8%) $453,907 (3.9%) 0.00 47
2024-01-01 $467,456 (3.9%) $471,230 (6.7%) 0.00 39
2024-02-01 $474,934 (10.5%) $470,098 (9.0%) 0.00 36
2024-03-01 $439,100 (-0.7%) $441,326 (1.1%) 0.00 36
2024-04-01 $378,725 (-16.6%) $432,485 (1.0%) 0.00 48
2024-05-01 $369,900 (-10.1%) $402,993 (-2.1%) 0.00 53
2024-06-01 $374,900 (-10.0%) $410,765 (-2.3%) 0.00 51
2024-07-01 $374,900 (0.7%) $404,450 (-2.6%) 0.00 53
2024-08-01 $374,900 (1.7%) $412,482 (-2.0%) 0.00 53
2024-09-01 $386,950 (7.5%) $429,565 (2.3%) 0.00 50
2024-10-01 $399,450 (11.0%) $463,117 (10.7%) 0.00 53
2024-11-01 $401,500 (4.6%) $460,391 (5.3%) 0.00 56
Winnemucca's median listing price for 2024-11-01 was $401,500, a difference of $17,775 (4.6%) versus the prior year and $2,050 versus the prior month.

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

Winnemucca's average listing price for 2024-11-01 was $460,391, a difference of $23,039 (5.3%) versus the prior year and $-2,726 versus the prior month.

For the 2024-11-01 period, Winnemucca had 56 MLS listings, a difference of 3 listings (6%) versus the prior month and 17 listings (44%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Winnemucca (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,877 sqft
2018-02-01 0 days 1,915 sqft
2018-03-01 0 days 1,900 sqft
2018-04-01 0 days 1,939 sqft
2018-05-01 0 days 1,977 sqft
2018-06-01 0 days 1,936 sqft
2018-07-01 0 days 1,878 sqft
2018-08-01 0 days 1,929 sqft
2018-09-01 0 days 2,016 sqft
2018-10-01 0 days 1,823 sqft
2018-11-01 0 days 1,860 sqft
2018-12-01 0 days 1,617 sqft
2019-01-01 0 days 1,584 sqft
2019-02-01 0 days 1,683 sqft
2019-03-01 0 days 1,727 sqft
2019-04-01 0 days 1,777 sqft
2019-05-01 0 days 1,880 sqft
2019-06-01 0 days 1,904 sqft
2019-07-01 0 days 1,984 sqft
2019-08-01 0 days 1,944 sqft
2019-09-01 0 days 1,793 sqft
2019-10-01 0 days 1,704 sqft
2019-11-01 0 days 1,902 sqft
2019-12-01 0 days 1,864 sqft
2020-01-01 0 days 1,939 sqft
2020-02-01 0 days 1,956 sqft
2020-03-01 0 days 2,026 sqft
2020-04-01 0 days 1,967 sqft
2020-05-01 0 days 1,764 sqft
2020-06-01 0 days 2,000 sqft
2020-07-01 0 days 2,080 sqft
2020-08-01 0 days 1,853 sqft
2020-09-01 0 days 2,001 sqft
2020-10-01 0 days 1,799 sqft
2020-11-01 0 days 2,088 sqft
2020-12-01 0 days 2,067 sqft
2021-01-01 0 days 2,180 sqft
2021-02-01 0 days 2,103 sqft
2021-03-01 0 days 2,141 sqft
2021-04-01 0 days 1,640 sqft
2021-05-01 0 days 1,728 sqft
2021-06-01 0 days 1,752 sqft
2021-07-01 0 days 1,596 sqft
2021-08-01 0 days 1,904 sqft
2021-09-01 0 days 2,167 sqft
2021-10-01 0 days 1,574 sqft
2021-11-01 0 days 1,801 sqft
2021-12-01 0 days 1,801 sqft
2022-01-01 0 days 1,777 sqft
2022-02-01 0 days 1,854 sqft
2022-03-01 0 days 1,875 sqft
2022-04-01 0 days 1,904 sqft
2022-05-01 0 days 1,953 sqft
2022-06-01 0 days 1,919 sqft
2022-07-01 0 days 1,956 sqft
2022-08-01 0 days 1,919 sqft
2022-09-01 0 days 1,911 sqft
2022-10-01 0 days 1,920 sqft
2022-11-01 0 days 1,933 sqft
2022-12-01 0 days 1,933 sqft
2023-01-01 0 days 1,933 sqft
2023-02-01 0 days 1,919 sqft
2023-03-01 0 days 1,912 sqft
2023-04-01 0 days 1,824 sqft
2023-05-01 0 days 1,833 sqft
2023-06-01 0 days 1,899 sqft
2023-07-01 0 days 1,798 sqft
2023-08-01 0 days 1,703 sqft
2023-09-01 0 days 1,846 sqft
2023-10-01 0 days 1,656 sqft
2023-11-01 0 days 1,742 sqft
2023-12-01 0 days 1,846 sqft
2024-01-01 0 days 1,790 sqft
2024-02-01 0 days 1,745 sqft
2024-03-01 0 days 1,733 sqft
2024-04-01 0 days 1,729 sqft
2024-05-01 0 days 1,524 sqft
2024-06-01 0 days 1,612 sqft
2024-07-01 0 days 1,564 sqft
2024-08-01 0 days 1,664 sqft
2024-09-01 0 days 1,731 sqft
2024-10-01 0 days 1,731 sqft
2024-11-01 0 days 1,731 sqft
Winnemucca's median listing age (time on market) for 2024-11-01 was 0 days.

Winnemucca's median square footage for active listings during the 2024-11-01 period was 1,731 sqft. One year prior, the average listing was 1,742 sqft.

Winnemucca, NV Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 232 $68,180,000 $293,879
Cash Out Refi 39 $7,925,000 $203,205
Home Improvement 17 $1,675,000 $98,529
Other 16 $1,430,000 $89,375
Refi 11 $2,975,000 $270,455

Winnemucca's most frequently cited loan purpose was Home Purchase, with 232 originations. The 2nd most popular reason was Cash Out Refi, with 39 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 131 $38,805,000 $296,221
7-8% 72 $19,800,000 $275,000
5-6% 52 $14,970,000 $287,885
Over 8% 46 $6,560,000 $142,609
3-4% 7 $1,305,000 $186,429
<2.5% 5 $45,000 $9,000
4-5% 2 $700,000 $350,000

During 2023, Winnemucca's most frequently originated rate bucket was 6-7%, with 131 originations.

Loan Sizing (Winnemucca, NV MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 173 $50,365,000 $291,127
$100k-200k 60 $9,350,000 $155,833
$100,000 or less 42 $2,350,000 $55,952
$400k-600k 32 $14,390,000 $449,688
$600k-1000k 8 $5,730,000 $716,250

Winnemucca's loan sizing saw the bucket of loans from $200k-400k with 173 originations, totaling $50,365,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 171 $53,085,000 $310,439
60-80% 60 $16,450,000 $274,167
Under 20% 27 $1,195,000 $44,259
20-40% 21 $2,165,000 $103,095
40-60% 21 $4,265,000 $203,095
Over 100% 5 $1,405,000 $281,000

Winnemucca's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 171 originations, totaling $53,085,000 in origination value.