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 7.45% for the week of 2023-09-21, compared to the national average of 7.19% for the same period.

The average rate for the prior week (2023-09-14) was 7.04% and one month ago for the week of 2023-08-17, the average rate was 7.35%.

Winnemucca's average rate one year ago was 6.08%.

For refis of the same type during the week of 2023-09-21, the average rate was 7.59%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-09-21 7.19%
Winnemucca 30 Year Fixed Rate 2023-09-21 7.45%
Winnemucca 30 Year Fixed Rate Refi 2023-09-21 7.59%
Winnemucca 15 Year Fixed Rate 2023-09-21 6.64%
Winnemucca 15 Year Fixed Rate Refi 2023-09-21 7.14%
Winnemucca 30 Year FHA 2023-09-21 6.96%
Winnemucca 30 Year FHA Refi 2023-09-21 7.24%
Winnemucca 30 Year USDA 2023-09-21 6.92%
Winnemucca 30 Year USDA Refi 2023-09-21 6.92%
Winnemucca 30 Year VA 2023-09-21 6.82%
Winnemucca 30 Year VA Refi 2023-09-21 6.92%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
FINANCE OF AMERICA MORTGAGE LLC 39 5.30% $7,325
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 28 5.74% $4,543
U.S. Bank 9 4.38% $3,000
QUICKEN LOANS, LLC 8 5.39% $6,014
LOANDEPOT.COM, LLC 7 4.52% $6,737
PACIFIC RESIDENTIAL MORTGAGE, LLC 6 6.52% $6,724
AMERISAVE MORTGAGE CORPORATION 5 4.10% $8,287
GUILD MORTGAGE COMPANY 5 5.07% $7,355
Wells Fargo Bank 5 4.30% $3,460
SUMMIT FUNDING, INC. 4 4.06% $7,444
NAVY FEDERAL CREDIT UNION 3 3.67% $3,659
AXIA FINANCIAL, LLC 3 4.42% $5,550
BROKER SOLUTIONS, INC. 2 6.24% $7,660
UNITED 2 5.44% $7,179
UNITED WHOLESALE MORTGAGE, LLC 2 3.56% $9,142
Flagstar Bank, FSB 2 5.06% $3,594
AMERICA FIRST 2 4.75% $6,737
CALIBER HOME LOANS, INC. 2 5.68% $4,866
FREEDOM MORTGAGE CORPORATION 2 4.69% $8,729
Paramount Residential Mortgage Group, Inc. 2 5.50% $5,242
LAKEVIEW LOAN SERVICING, LLC 2 5.31% $5,657
SYNERGY HOME MORTGAGE, LLC 1 6.38% $8,227
The Federal Savings Bank 1 3.75% $12,800
USAA Federal Savings Bank 1 7.50% $3,865
Utah Power 1 4.63% $7,345
Ally Bank 1 6.25% $4,612
Zions Bank 1 2.88% $2,602
AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.38% $7,405
Arvest Bank 1 3.88% $10,610
Bank of America 1 2.63% $3,055
Cache Valley Bank 1 3.63% $4,250
Carrington Mortgage Services, LLC 1 5.50% $8,609
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 4.88% $4,152
Discover Bank 1 4.49% $0
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 5.49% $6,496
Glacier Bank 1 4.00% $6,958
GREATER NEVADA LLC 1 2.88% $3,575
Great Southern Bank 1 5.63% $5,863
ISERVE RESIDENTIAL LENDING, LLC 1 6.75% $17,180
KELLER MORTGAGE, LLC 1 5.13% $3,053
KeyBank 1 4.13% $4,107
Mr. Cooper ( Nationstar Mortgage ) 1 4.38% $3,338
Operating Engineers Local Union #3 1 5.25% $3,979
PENNYMAC LOAN SERVICES, LLC 1 4.00% $5,360
PHH Mortgage Corporation 1 6.13% $6,294
RBC Bank, (Georgia) 1 4.63% $3,276
SOFI LENDING CORP. 1 3.25% $7,267

Winnemucca Average Closing Costs & Other Stats

Winnemucca, NV's 47 lenders originated 475 loans during 2022. The total origination value was $106,875,000, with an average loan value of $225,000.

Winnemucca's average closing costs are $6,143.

The top Winnemucca lender as defined by loan originations is FINANCE OF AMERICA MORTGAGE LLC, with 39 loans originated. Their average total fees are $7,325, which is $2,782 higher than the next largest lender, EVERGREEN MONEYSOURCE MORTGAGE COMPANY.

The lowest fee Winnemucca lenders (with over 10 loans originated) are EVERGREEN MONEYSOURCE MORTGAGE COMPANY ($4,543), FINANCE OF AMERICA MORTGAGE LLC ($7,325), .

The lowest rate Winnemucca lenders (with over 10 loans originated) are FINANCE OF AMERICA MORTGAGE LLC (5.30%), EVERGREEN MONEYSOURCE MORTGAGE COMPANY (5.74%), .

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
FINANCE OF AMERICA MORTGAGE LLC $43,345,000 $23,520,000 -45.7% 22.0%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $18,940,000 $10,690,000 -43.6% 10.0%
QUICKEN LOANS, LLC $16,000,000 $4,870,000 -69.6% 4.6%
PACIFIC RESIDENTIAL MORTGAGE, LLC $4,850,000 n/a 4.5%
BROKER SOLUTIONS, INC. $7,055,000 $4,155,000 -41.1% 3.9%
LOANDEPOT.COM, LLC $5,515,000 $3,755,000 -31.9% 3.5%
U.S. Bank $6,900,000 $3,415,000 -50.5% 3.2%
FREEDOM MORTGAGE CORPORATION $7,480,000 $3,200,000 -57.2% 3.0%
GUILD MORTGAGE COMPANY $5,825,000 $3,070,000 -47.3% 2.9%
SUMMIT FUNDING, INC. $1,285,000 $3,020,000 135.0% 2.8%
Wells Fargo Bank $7,285,000 $2,490,000 -65.8% 2.3%
AMERISAVE MORTGAGE CORPORATION $4,175,000 $2,280,000 -45.4% 2.1%
Zions Bancorporation, N.A. $1,870,000 $2,105,000 12.6% 2.0%
LAKEVIEW LOAN SERVICING, LLC $4,305,000 $1,905,000 -55.7% 1.8%
Mortgage Research Center, LLC $1,950,000 $1,875,000 -3.8% 1.8%
UNITED WHOLESALE MORTGAGE, LLC $1,930,000 $1,780,000 -7.8% 1.7%
NAVY FEDERAL CREDIT UNION $705,000 $1,685,000 139.0% 1.6%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $685,000 $1,680,000 145.3% 1.6%
MOUNTAIN AMERICA $235,000 $1,355,000 476.6% 1.3%
Paramount Residential Mortgage Group, Inc. $175,000 $1,265,000 622.9% 1.2%
21ST MORTGAGE CORPORATION $990,000 $910,000 -8.1% 0.9%
CALCON MUTUAL MORTGAGE LLC $2,445,000 $895,000 -63.4% 0.8%
Arvest Bank $460,000 $855,000 85.9% 0.8%
UNITED $185,000 $805,000 335.1% 0.8%
NEWREZ LLC $725,000 $790,000 9.0% 0.7%
ACADEMY MORTGAGE CORPORATION $640,000 $730,000 14.1% 0.7%
ISERVE RESIDENTIAL LENDING, LLC $920,000 $710,000 -22.8% 0.7%
AMERICAN PACIFIC MORTGAGE CORPORATION $705,000 n/a 0.7%
Nations Lending Corporation $950,000 $675,000 -28.9% 0.6%
SYNERGY HOME MORTGAGE, LLC $185,000 $610,000 229.7% 0.6%
CALIBER HOME LOANS, INC. $1,140,000 $570,000 -50.0% 0.5%
AXIA FINANCIAL, LLC $1,855,000 $565,000 -69.5% 0.5%
AMERICA FIRST $185,000 $530,000 186.5% 0.5%
Utah Power $525,000 n/a 0.5%
USAA Federal Savings Bank $75,000 $520,000 593.3% 0.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $850,000 $515,000 -39.4% 0.5%
Flagstar Bank, FSB $815,000 $495,000 -39.3% 0.5%
MUTUAL OF OMAHA MORTGAGE, INC. $580,000 $465,000 -19.8% 0.4%
PHH Mortgage Corporation $1,085,000 $445,000 -59.0% 0.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,475,000 $430,000 -70.8% 0.4%
ZILLOW HOME LOANS, LLC $425,000 n/a 0.4%
KeyBank $385,000 $405,000 5.2% 0.4%
First Guaranty Mortgage Corporation $135,000 $385,000 185.2% 0.4%
RBC Bank, (Georgia) $355,000 n/a 0.3%
MORTGAGE SOLUTIONS OF COLORADO, LLC $315,000 $335,000 6.3% 0.3%
VELOCITY COMMERCIAL CAPITAL, LLC $335,000 n/a 0.3%
Glacier Bank $325,000 n/a 0.3%
SOFI LENDING CORP. $325,000 n/a 0.3%
PENNYMAC LOAN SERVICES, LLC $1,990,000 $310,000 -84.4% 0.3%
ANGEL OAK HOME LOANS LLC $305,000 n/a 0.3%
CITYWIDE HOME LOANS, LLC $345,000 $305,000 -11.6% 0.3%
KELLER MORTGAGE, LLC $305,000 n/a 0.3%
Bank of America $355,000 $290,000 -18.3% 0.3%
The Federal Savings Bank $675,000 $285,000 -57.8% 0.3%
Ally Bank $275,000 n/a 0.3%
Hometown Lenders, Inc. $250,000 $275,000 10.0% 0.3%
S1L, Inc. $275,000 n/a 0.3%
CMG MORTGAGE, INC. $685,000 $265,000 -61.3% 0.2%
PNC Bank $265,000 n/a 0.2%
SOVEREIGN LENDING GROUP INCORPORATED $215,000 $255,000 18.6% 0.2%
Cache Valley Bank $255,000 $245,000 -3.9% 0.2%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $245,000 n/a 0.2%
Great Southern Bank $245,000 n/a 0.2%
Barrington Bank & Trust Company, N.A. $235,000 n/a 0.2%
Carrington Mortgage Services, LLC $795,000 $235,000 -70.4% 0.2%
AMERICAN ADVISORS GROUP $35,000 $230,000 557.1% 0.2%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $225,000 n/a 0.2%
MOVEMENT MORTGAGE, LLC $400,000 $225,000 -43.8% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $735,000 $215,000 -70.7% 0.2%
Magnolia Bank $255,000 $215,000 -15.7% 0.2%
Operating Engineers Local Union #3 $215,000 n/a 0.2%
Discover Bank $205,000 $205,000 0.0% 0.2%
GREATER NEVADA LLC $920,000 $205,000 -77.7% 0.2%
HOME POINT FINANCIAL CORPORATION $185,000 $205,000 10.8% 0.2%
PLANET HOME LENDING, LLC $105,000 $205,000 95.2% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $195,000 $205,000 5.1% 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $265,000 $165,000 -37.7% 0.2%
GTE Federal Credit Union $155,000 n/a 0.1%
UNIVERSITY CREDIT UNION $155,000 n/a 0.1%
EVERETT FINANCIAL, INC. $145,000 n/a 0.1%
Mr. Cooper ( Nationstar Mortgage ) $1,575,000 $135,000 -91.4% 0.1%
AMERICAN FINANCING CORPORATION $125,000 n/a 0.1%
HOMEXPRESS MORTGAGE CORP. $115,000 n/a 0.1%
Bank of the West $135,000 $105,000 -22.2% 0.1%
CITIZENS EQUITY FIRST $105,000 n/a 0.1%
LAND HOME FINANCIAL SERVICES, INC. $105,000 n/a 0.1%

Winnemucca's top lender by overall market share is FINANCE OF AMERICA MORTGAGE LLC, with 22.0% market share. In second place, with 10.0%, is EVERGREEN MONEYSOURCE MORTGAGE COMPANY, having originated $10,690,000 in loans. In third place, with 4.6%, is QUICKEN LOANS, LLC, having originated $4,870,000 in loans. In fourth place, with 4.5%, is PACIFIC RESIDENTIAL MORTGAGE, LLC, having originated $4,850,000 in loans. In fifth place, with 3.9%, is BROKER SOLUTIONS, INC., having originated $4,155,000 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
Winnemucca's median listing price for 2023-08-01 was $368,675, a difference of $-49,825 (-11.9%) versus the prior year and $-3,775 versus the prior month.

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

Winnemucca's average listing price for 2023-08-01 was $420,681, a difference of $-54,498 (-11.5%) versus the prior year and $5,342 versus the prior month.

For the 2023-08-01 period, Winnemucca had 46 MLS listings, a difference of -1 listings (-2%) versus the prior month and -10 listings (-18%) 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
Winnemucca's median listing age (time on market) for 2023-08-01 was 0 days.

Winnemucca's median square footage for active listings during the 2023-08-01 period was 1,703 sqft. One year prior, the average listing was 1,919 sqft.

Winnemucca, NV Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 276 $67,760,000 $245,507
Cash Out Refi 109 $23,905,000 $219,312
Refi 53 $11,105,000 $209,528
Home Improvement 22 $2,270,000 $103,182
Other 15 $1,835,000 $122,333

Winnemucca's most frequently cited loan purpose was Home Purchase, with 276 originations. The 2nd most popular reason was Cash Out Refi, with 109 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
4-5% 112 $26,410,000 $235,804
3-4% 111 $25,905,000 $233,378
5-6% 107 $26,655,000 $249,112
6-7% 59 $14,005,000 $237,373
<2.5% 24 $1,540,000 $64,167
2.5-3% 24 $5,370,000 $223,750
7-8% 24 $5,380,000 $224,167
Over 8% 14 $1,610,000 $115,000

During 2022, Winnemucca's most frequently originated rate bucket was 4-5%, with 112 originations.

Loan Sizing (Winnemucca, NV MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 279 $74,415,000 $266,720
$100k-200k 119 $18,295,000 $153,739
$100,000 or less 51 $2,045,000 $40,098
$400k-600k 24 $10,800,000 $450,000
$600k-1000k 2 $1,320,000 $660,000

Winnemucca's loan sizing saw the bucket of loans from $200k-400k with 279 originations, totaling $74,415,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 225 $61,175,000 $271,889
60-80% 121 $27,655,000 $228,554
40-60% 52 $9,200,000 $176,923
Under 20% 32 $990,000 $30,938
20-40% 24 $2,500,000 $104,167
Over 100% 10 $3,480,000 $348,000

Winnemucca's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 225 originations, totaling $61,175,000 in origination value.