Nevada · Q1 2026
What Nevada borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 416 lenders.
Published 2026-04-29.
Nevada · headline
The gap between Nevada's lowest- and highest-cost ranked lenders in 2025 was $8,494 on a typical loan — borrowers using CrossCountry Mortgage paid roughly 449% more than borrowers using Navy Federal Credit Union on similar loans.
Source: FFIEC HMDA 2025 (n=51,955)
In 2025, 416 mortgage lenders originated 51,955 reportable loans in Nevada according to FFIEC HMDA data. The median borrower paid $6,954 in total loan costs. That is 63.9% above the national median across all 50 states and DC.
Nevada's median total loan cost was $6,954, 63.9% above the national median of $4,242. On a typical loan, that translates to roughly $2,712 more than borrowers paid in the average state.
Navy Federal Credit Union posted the lowest median total loan costs at $1,890, 72.8% below the Nevada median. Across the ranked lenders, 9 earned an A grade against peer averages and 5 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Nevada are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | Rocket Mortgage | $4,358 | $2,538 | 5,215 | A |
| 2 | United Wholesale Mortgage | $9,474 | $4,416 | 4,724 | D |
| 3 | Guild Mortgage | $9,514 | $4,230 | 3,532 | D |
| 4 | DHI Mortgage Company, LTD. | $8,113 | $2,356 | 1,890 | B |
| 5 | Pennymac | $5,511 | $2,595 | 1,677 | A |
| 6 | Lennar Mortgage, LLC | $5,057 | $1,600 | 1,669 | A |
| 7 | loanDepot.com, LLC | $5,904 | $2,481 | 1,378 | A |
| 8 | CrossCountry Mortgage | $10,385 | $4,559 | 1,213 | F |
| 9 | Freedom Mortgage | $6,710 | $3,944 | 1,097 | A |
| 10 | New American Funding | $9,152 | $4,769 | 1,043 | D |
Nevada median total loan cost
Nevada borrowers paid a median $6,954 in total loan costs in 2025, based on 51,955 HMDA-reported loans across 416 lenders.
FFIEC HMDA 2025
Lender spread in Nevada
In Nevada, the gap between Navy Federal Credit Union ($1,890 median) and CrossCountry Mortgage ($10,385 median) was $8,494 on a typical 2025 loan.
FFIEC HMDA 2025
Nevada vs. national
Nevada closing costs ran 63.9% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Nevada was $3,139, with the typical lender clustering tightly around that figure. Discount points appeared on 64% of loans, with a median paid amount of $3,434 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 30% of loans, with a median credit of $433.
Avg $4,892
Median $3,434 when present
Median $433 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Nevada) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Nevada
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