Largest lenders in Carson City
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Guild Mortgage | A | 200 | 152 | 3.5% | 6.63% |
| 2 | Rocket Mortgage | C | 111 | 88 | 11.7% | 6.93% |
| 3 | Greater Nevada | B | 106 | 89 | 6.6% | 6.63% |
| 4 | United Shore Financial Services | B | 85 | 67 | 11.8% | 6.02% |
| 5 | U.S. Bank | D | 83 | 53 | 27.7% | 6.75% |
| 6 | United Federal Credit Union | D | 81 | 44 | 25.9% | 7.44% |
| 7 | Crosscountry Mortgage | B | 54 | 33 | 3.7% | 6.58% |
| 8 | 21st Mortgage | F | 53 | 9 | 49.1% | 10.95% |
| 9 | Primelending, a Plainscapital | A | 50 | 48 | 0.0% | 6.49% |
| 10 | Bank of America | F | 47 | 20 | 38.3% | 6.12% |
| 11 | Broker Solutions | D | 40 | 22 | 5.0% | 6.94% |
| 12 | Lennar Mortgage | A | 38 | 31 | 0.0% | 4.99% |
| 13 | Freedom Mortgage | B | 31 | 12 | 3.2% | 6.19% |
| 14 | Vanderbilt Mortgage and Finance | F | 29 | 4 | 31.0% | 10.63% |
| 15 | Pennymac Loan Services | C | 28 | 19 | 14.3% | 6.62% |
| 16 | Mason Mcduffie Mortgage | C | 23 | 16 | 0.0% | 6.88% |
| 17 | Movement Mortgage | A | 23 | 18 | 0.0% | 6.96% |
| 18 | Loandepot.Com | D | 23 | 14 | 13.0% | 6.63% |
| 19 | Newrez | D | 22 | 6 | 36.4% | 6.75% |
| 20 | Navy Federal Credit Union | D | 22 | 12 | 27.3% | 7.70% |
| 21 | The Loan Store | B | 22 | 12 | 13.6% | 6.49% |
| 22 | Mortgage Research Center | C | 21 | 11 | 23.8% | 6.25% |
| 23 | Figure Lending | C | 21 | 7 | 52.4% | 8.60% |
| 24 | Nationstar Mortgage | C | 20 | 13 | 20.0% | 8.38% |
| 25 | Zions Bancorporation | B | 19 | 13 | 26.3% | 5.49% |
Best approval odds in Carson City
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Guild Mortgage | 162 | 4.3% |
| 2 | Greater Nevada | 96 | 7.3% |
| 3 | Rocket Mortgage | 104 | 12.5% |
| 4 | United Shore Financial Services | 79 | 12.7% |
| 5 | United Federal Credit Union | 71 | 29.6% |
| 6 | U.S. Bank | 76 | 30.3% |
What Carson City borrowers applied for
By loan purpose
By loan type
Why applications were denied
Carson City by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,403 | 864 | 16.5% | 6.99% | $235,000 |
| 2024 | 1,719 | 1,072 | 15.9% | 6.80% | $285,000 |
| 2025 | 1,784 | 1,108 | 15.5% | 6.63% | $295,000 |
Frequently asked questions
15.5% of applications in Carson City were denied in 2025, against 17.5% statewide in Nevada.
Guild Mortgage, with 200 applications in 2025 and a denial rate of 3.5%.
The median mortgage application in Carson City in 2025 was for $295,000; the median property value on originated loans was $505,000.