Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Washoe County, Nevada
Every institution that decided a 1–4 unit mortgage application in Washoe County, home to Reno, between 2023 and 2025: 31,691 applications, 24,752 loans actually funded, across 8 kinds of borrowing.
Washoe County at a glance
31,691Applications decided
2023–2025
24,752Loans funded
78% of decisions
139Census tracts
22 ZIP codes
491,770People
ACS 2023
What the data shows
The typical purchase mortgage here is $425K.
Investment home improvement is the hardest money to get here: lenders approved 49% of 209 applications.
Lending by loan type in Washoe County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.1% | 16,515 | $425K | 94% | 341 |
| Home improvement loans | 65.6% | 4,247 | $85K | 93% | 92 |
| Cash-out refinance | 74.4% | 5,096 | $145K | 95% | 222 |
| Refinance | 81.9% | 3,077 | $395K | 94% | 200 |
| Investment property purchase | 89.0% | 1,730 | $345K | 95% | 196 |
| Investment cash-out refinance | 76.8% | 465 | $255K | 92% | 114 |
| Investment refinance | 79.0% | 352 | $335K | 91% | 103 |
| Investment home improvement | 49.3% | 209 | $105K | 92% | 42 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.