Mortgage Lenders and Brokers in Fernley, Nevada
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Fernley, Nevada mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA1400 Newlands Dr E, Fernley, NV 89408A+5.0 ★Texas Ratio: 5.36%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.250 Us Highway 95a S, Fernley, NV 89408A+5.0 ★Texas Ratio: 3.72%, Washington FederalWashington Federal1480 Us Highway 95a N, Fernley, NV 89408A+5.0 ★Texas Ratio: 4.48%, Greater Nevada MortgageGreater Nevada Mortgage150 E Main St Ste 130, Fernley, NV 89408 7711F1.0 ★Texas Ratio: 55.97%, US Bank, N.A.US Bank, N.A.3405 Market St, Carson City, NV 89706A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3883 S Carson St, Carson City, NV 89701A+5.0 ★Texas Ratio: 3.68%, Glacier BankGlacier Bank4222 S Carson St, Carson City, NV 89701A+5.0 ★Texas Ratio: 1.87%, Great Basin Federal Credit UnionGreat Basin Federal Credit Union9770 S Virginia St, Reno, NV 89511 5941A5.0 ★Texas Ratio: 7.21%, Bank of America NABank of America NA947 Topsy Ln, Carson City, NV 89705A+5.0 ★Texas Ratio: 4.14%, and BMO Harris Bank NABMO Harris Bank NA2976 N Carson St, Carson City, NV 89706A+5.0 ★Texas Ratio: 3.54%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Fernley, Nevada in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Fernley are listed first, then lenders elsewhere in Nevada, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Fernley, Nevada
Market share is the lender's share of all home loans closed in Fernley, Nevada. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Fernley 1400 Newlands Dr E, Fernley, NV 89408 A+5.0 ★Texas Ratio: 5.36% |
Conventional, VA | 5 | 0.7% | 83.3% | $215,000 | View |
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1 office in Fernley 250 Us Highway 95a S, Fernley, NV 89408 A+5.0 ★Texas Ratio: 3.72% |
FHA, HELOC | 1 +6 HELOCs |
0.1% | 50% | $395,000 | View |
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1 office in Fernley 1480 Us Highway 95a N, Fernley, NV 89408 A+5.0 ★Texas Ratio: 4.48% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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150 E Main St Ste 130, Fernley, NV 89408 7711 F1.0 ★Texas Ratio: 55.97% |
Conventional, FHA, VA, HELOC | 9 +9 HELOCs |
1.2% | 81.8% | $298,333 | View |
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3405 Market St, Carson City, NV 89706 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 9 +2 HELOCs |
1.2% | 56.2% | $269,444 | View |
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3883 S Carson St, Carson City, NV 89701 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.3% | 66.7% | $210,000 | View |
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4222 S Carson St, Carson City, NV 89701 A+5.0 ★Texas Ratio: 1.87% |
VA, HELOC | 1 +3 HELOCs |
0.1% | 50% | $445,000 | View |
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9770 S Virginia St, Reno, NV 89511 5941 A5.0 ★Texas Ratio: 7.21% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $75,000 | View |
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947 Topsy Ln, Carson City, NV 89705 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +8 HELOCs |
0% | n/a | View | |
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2976 N Carson St, Carson City, NV 89706 A+5.0 ★Texas Ratio: 3.54% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Village Capital & Investment
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FHA, VA | 3 | 0.4% | 75% | $255,000 | |
Valley West Corporation
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Conventional | 1 | 0.1% | 100% | $345,000 | |
Guild Mortgage Company
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Conventional, FHA, VA, USDA | 123 | 16.7% | 99.2% | $293,373 | |
Rocket Mortgage
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Conventional, FHA, VA | 65 | 8.8% | 82.7% | $210,384 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 55 +4 HELOCs |
7.5% | 88.9% | $358,454 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, USDA | 54 | 7.3% | 87.3% | $378,888 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 28 | 3.8% | 100% | $357,500 | |
Premier Mortgage Resources, LLC
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Conventional, FHA, VA | 25 | 3.4% | 100% | $357,400 | |
Primelending
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Conventional, FHA, VA, USDA | 25 | 3.4% | 86.2% | $301,400 | |
Mortgage Research Center
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VA | 22 | 3% | 75.9% | $405,454 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional, FHA, VA | 21 | 2.8% | 100% | $322,619 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 19 | 2.6% | 80% | $321,315 | |
Freedom Mortgage Corporation
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FHA, VA | 14 | 1.9% | 90.5% | $343,571 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 13 +1 HELOCs |
1.8% | 70% | $178,846 | |
Click n' Close, Inc.
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Conventional, FHA | 12 | 1.6% | 100% | $209,166 | |
Summit Funding.Inc
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Conventional, FHA, VA | 12 | 1.6% | 100% | $317,500 | |
Kind Lending, LLC
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Conventional, FHA, VA | 11 | 1.5% | 68.8% | $391,363 | |
United Federal Credit Union
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Conventional, HELOC | 9 +4 HELOCs |
1.2% | 81.8% | $217,222 | |
New American Funding, LLC.
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Conventional, FHA, VA, HELOC | 9 +1 HELOCs |
1.2% | 69.2% | $308,333 | |
Nationstar Mortgage
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Conventional | 9 | 1.2% | 90% | $123,888 | |
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A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 8 +2 HELOCs |
1.1% | 90% | $388,750 | |
The Loan Store, Inc
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Conventional, FHA, VA, USDA | 8 | 1.1% | 100% | $380,000 | |
Newrez LLC
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FHA, VA | 7 | 0.9% | 63.6% | $417,857 | |
Equity Prime Mortgage LLC
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FHA, VA | 6 | 0.8% | 100% | $338,333 | |
Amerisave Mortgage Company
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Conventional, FHA | 6 | 0.8% | 54.5% | $95,000 | |
Evergreen Moneysource Mortgage Company
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Conventional, FHA | 6 | 0.8% | 100% | $325,000 | |
Iserve Residential Lending
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Conventional, FHA, VA | 6 | 0.8% | 100% | $338,333 | |
Genway Home Mortgage, Inc.
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Conventional, FHA | 6 | 0.8% | 100% | $173,333 | |
21St Mortgage
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Conventional | 6 | 0.8% | 21.4% | $68,333 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 5 | 0.7% | 100% | $373,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA, VA | 5 | 0.7% | 100% | $325,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 4 +8 HELOCs |
0.5% | 50% | $107,500 | |
Canopy Mortgage, LLC
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Conventional, FHA, VA | 4 | 0.5% | 100% | $375,000 | |
Infinity Equity Group, Inc.
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Conventional, FHA | 4 | 0.5% | 100% | $450,000 | |
American Financial Network, Inc.
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FHA, VA | 4 | 0.5% | 100% | $317,500 | |
New Day Financial, LLC.
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VA | 4 | 0.5% | 57.1% | $330,000 | |
Mortgage Solutions of Colorado
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VA | 4 | 0.5% | 100% | $422,500 | |
Mutual of Omaha Mortgage
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Conventional, FHA, VA | 4 | 0.5% | 71.4% | $310,000 | |
PHH Mortgage Corporation
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Conventional, VA | 3 | 0.4% | 100% | $288,333 | |
Discover Bank
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Conventional | 3 | 0.4% | 42.9% | $55,000 | |
American Pacific Mortgage Corporation
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Conventional | 3 | 0.4% | 100% | $275,000 | |
Better Mortgage Corporation
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Conventional, FHA | 3 | 0.4% | 50% | $325,000 | |
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A5.0 ★Texas Ratio: 8.33% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 66.7% | $125,000 | |
Cornerstone First Mortgage, LLC
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VA, USDA | 2 | 0.3% | 100% | $270,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 2 | 0.3% | 20% | $260,000 | |
HomeXpress Mortgage Corp.
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Conventional, FHA | 2 | 0.3% | 100% | $235,000 | |
Sun West Mortgage Company, Inc
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FHA | 2 | 0.3% | 100% | $270,000 | |
Credit Human Federal Credit Un
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Conventional | 2 | 0.3% | 22.2% | $90,000 | |
Planet Home Lending, LLC
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Conventional, FHA | 2 | 0.3% | 66.7% | $195,000 | |
Waterstone Mortgage Corporation
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VA | 2 | 0.3% | 100% | $380,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 2 | 0.3% | 100% | $375,000 | View |
Tjc Mortgage Inc
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Conventional, FHA | 2 | 0.3% | 100% | $325,000 | |
V.I.P. Mortgage, Inc.
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Conventional, FHA | 2 | 0.3% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 3.12% |
FHA, VA | 2 | 0.3% | 100% | $455,000 | View |
Prosperity Home Mortgage, LLC
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FHA, VA | 2 | 0.3% | 100% | $340,000 | |
Right Start Mortgage, Inc
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Conventional | 2 | 0.3% | 66.7% | $330,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 0.3% | 100% | $180,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.3% | 100% | $125,000 | View |
Carrington Mortgage Services LLC
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FHA, VA | 2 | 0.3% | 80% | $375,000 | |
JMAC Lending, Inc.
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Conventional, FHA | 2 | 0.3% | 100% | $310,000 | |
Goodleap, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 33.3% | $75,000 | |
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A+5.0 ★Texas Ratio: 2.02% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $355,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.1% | 100% | $315,000 | View |
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A+5.0 ★Texas Ratio: 5.16% |
Conventional | 1 | 0.1% | 100% | $375,000 | View |
American Financial Resources LLC
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FHA | 1 | 0.1% | 100% | $315,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.1% | 100% | $255,000 | |
Allied Mortgage Group, Inc
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VA | 1 | 0.1% | 100% | $455,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.1% | 100% | $395,000 | View |
Golden Empire Mortgage, Inc.
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FHA | 1 | 0.1% | 100% | $395,000 | |
Movement Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $475,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
VA | 1 | 0.1% | 100% | $325,000 | View |
Peak Residential Lending Inc
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Conventional | 1 | 0.1% | 100% | $305,000 | |
Securitynational Mortgage Company
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FHA | 1 | 0.1% | 100% | $455,000 | |
Union Home Mortgage Corp.
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VA | 1 | 0.1% | 100% | $425,000 | |
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A5.0 ★Texas Ratio: 9.78% |
Conventional | 1 | 0.1% | 100% | $55,000 | |
First Colony Mortgage Corporat
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VA | 1 | 0.1% | 100% | $375,000 | |
Homeowners Financial Group, LLC
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Conventional | 1 | 0.1% | 100% | $195,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.1% | 100% | $275,000 | View |
Deseret First Credit Union
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Conventional | 1 | 0.1% | 100% | $75,000 | |
Generations Home Loans, LLC
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FHA | 1 | 0.1% | 100% | $335,000 | |
Intelliloan, Inc.
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VA | 1 | 0.1% | 100% | $395,000 | |
Provident Funding Associates
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Conventional | 1 | 0.1% | 100% | $335,000 | |
Nations Lending Corporation
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Conventional | 1 | 0.1% | 66.7% | $585,000 | |
T2 Financial LLC
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FHA | 1 | 0.1% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 1.95% |
FHA | 1 | 0.1% | 100% | $325,000 | View |
Mission Loans, LLC
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FHA | 1 | 0.1% | 100% | $355,000 | |
Pentagon Federal Credit Union
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VA | 1 | 0.1% | 100% | $385,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.1% | 100% | $245,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 50% | $315,000 | |
Nmsi, Inc.
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Conventional | 1 | 0.1% | 100% | $515,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.1% | 50% | $295,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.1% | 50% | $305,000 | View |
Mason-McDuffie Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Operating Engineers Federal Credit Union
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Conventional | 1 | 0.1% | 50% | $125,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Fernley Mortgage Rate Trends
Daily average mortgage rates for Nevada compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Fernley, Nevada
Looking for mortgage lenders near me or mortgage brokers near me in Fernley? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Fernley in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Fernley, NV
Use these to narrow the list above. Each category shows how many Fernley, NV lenders fit and what that kind of lender is usually best for.
Who Lends in Fernley, NV
Independent mortgage companies closed 86.3 percent of home loans in Fernley, Nevada in 2025, banks 9 percent and credit unions 4.7 percent. Village Capital & Investment was the largest mortgage company, Wells Fargo Bank NA the largest bank and Greater Nevada Mortgage the largest credit union. Among lenders headquartered in Nevada, Greater Nevada Mortgage led with 9 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Nevada. Real property transfer tax of $1.95 per $500 of value statewide (about 0.39 percent), $2.05 per $500 in Washoe and Churchill counties, and $2.55 per $500 (0.51 percent) in Clark County; buyer and seller are jointly liable and the seller customarily pays. No mortgage recording tax.
More Nevada Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Fernley, NV
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Fernley, Nevada with 5 loans, about 0.7 percent of the market. The largest lender headquartered in Nevada was Greater Nevada Mortgage with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Fernley, Nevada, Guild Mortgage Company approved the highest share of completed applications in 2025 at 99.2 percent, against a 83.2 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
52 lenders closed FHA loans in Fernley, Nevada in 2025, led by Guild Mortgage Company with 40. 47 lenders closed VA loans, led by Mortgage Research Center, and 5 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 22 banks and 12 credit unions closed home loans in Fernley, Nevada in 2025, alongside 73 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Fernley, Nevada during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Fernley, Nevada for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Fernley. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
