States › Nevada
Nevada mortgage lending
Every HMDA reporter's applications, originations and denial rate for properties in Nevada, with all 17 counties.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Record year 2024.
Nevada had 115,349 HMDA-reported mortgage applications and 66,287 originations ($24bn) in 2024, from 255 lenders with at least 25 applications in the state.
The statewide denial rate was 23.9% (national 24.3%) and the median rate spread 0.3 percentage points (national 0.3). Originations ran at 55.1 per 1,000 households, against 48.0 nationally.
Originations in the state went from 97,345 in 2018 to 66,287 in 2024; the denial rate moved from 24.0% to 23.9%.
The most active lenders by originations were United Wholesale Mortgage (4,935), Rocket Mortgage (4,321) and Guild Mortgage Company (3,909).
Most active lenders in Nevada
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | 6,495 | 4,935 | $1.9bn | 12.8% | 0.2 |
| 2 | Rocket Mortgage | 5,482 | 4,321 | $1.1bn | 13.2% | 0.5 |
| 3 | Guild Mortgage Company | 5,316 | 3,909 | $1.3bn | 3.3% | 0.4 |
| 4 | America First Federal Credit Union | 3,678 | 2,364 | $260m | 27.6% | 0.9 |
| 5 | DHI Mortgage Company, LTD. | 2,530 | 2,096 | $800m | 6.6% | -0.9 |
| 6 | Lennar Mortgage, LLC | 2,369 | 1,807 | $821m | 8.7% | -1.4 |
| 7 | Us Bank, N.A. | 4,066 | 1,667 | $496m | 51.6% | 0.8 |
| 8 | Loandepot.com, LLC | 2,624 | 1,491 | $464m | 25.3% | 0.4 |
| 9 | Pennymac Loan Services LLC | 2,348 | 1,376 | $461m | 18.5% | 0.5 |
| 10 | Zions Bancorporation, N.A. | 2,513 | 1,223 | $365m | 37.9% | -1.1 |
| 11 | Navy Federal Credit Union | 2,670 | 1,212 | $254m | 35.9% | 1.3 |
| 12 | New American Funding, LLC. | 2,355 | 1,148 | $362m | 17.8% | 0.5 |
| 13 | Bank of America NA | 3,328 | 1,120 | $323m | 53.9% | 1.5 |
| 14 | Kbhs Home Loans, LLC | 1,401 | 1,113 | $454m | 9.8% | -0.7 |
| 15 | Crosscountry Mortgage, LLC | 1,773 | 1,107 | $439m | 3.4% | 0.6 |
| 16 | Pulte Mortgage LLC | 1,511 | 946 | $451m | 21.4% | -0.4 |
| 17 | Freedom Mortgage Corporation | 1,782 | 881 | $338m | 14.4% | 0.1 |
| 18 | Guaranteed Rate, Inc. | 1,465 | 871 | $331m | 12.3% | 0.5 |
| 19 | Movement Mortgage, LLC | 1,218 | 789 | $266m | 9.7% | 0.7 |
| 20 | JPMorgan Chase Bank, NA | 1,206 | 779 | $585m | 14.7% | 0.1 |
| 21 | HomeAmerican Mortgage Corporation | 968 | 758 | $335m | 9.5% | -1.0 |
| 22 | CMG Mortgage Inc | 1,194 | 752 | $255m | 8.9% | 0.4 |
| 23 | Kiavi Funding, Inc. | 956 | 751 | $297m | 4.9% | — |
| 24 | Mortgage Research Center | 1,513 | 730 | $302m | 21.5% | -0.2 |
| 25 | Greater Nevada Mortgage | 761 | 622 | $121m | 8.9% | 0.0 |
| 26 | Fairway Independent Mort Corp | 953 | 621 | $209m | 14.1% | 0.6 |
| 27 | Clark County Credit Union | 1,284 | 591 | $83m | 37.0% | 1.1 |
| 28 | Discover Bank | 3,014 | 561 | $52m | 72.8% | 2.3 |
| 29 | Nationstar Mortgage | 839 | 561 | $124m | 17.2% | 1.3 |
| 30 | Figure Lending LLC | 1,158 | 542 | $42m | 28.7% | 3.6 |
| 31 | United Federal Credit Union | 959 | 527 | $105m | 34.4% | 0.6 |
| 32 | The Loan Store, Inc | 802 | 509 | $154m | 13.8% | 0.5 |
| 33 | Wells Fargo Bank NA | 1,142 | 501 | $499m | 36.7% | 0.1 |
| 34 | Inspire Home Loans Inc. | 637 | 491 | $214m | 10.6% | -0.7 |
| 35 | Mutual of Omaha Mortgage | 748 | 479 | $156m | 21.5% | 0.2 |
| 36 | Spring Eq, LLC | 1,152 | 478 | $48m | 53.0% | 4.0 |
| 37 | Evergreen Moneysource Mortgage Company | 602 | 473 | $180m | 3.7% | 0.4 |
| 38 | Mountain America Federal Credit Union | 1,067 | 416 | $72m | 48.6% | 1.1 |
| 39 | One Nevada Credit Union | 1,162 | 408 | $103m | 57.0% | 0.1 |
| 40 | Newrez LLC | 1,147 | 396 | $116m | 36.0% | 0.6 |
| 41 | Securitynational Mortgage Company | 632 | 391 | $134m | 14.0% | 0.8 |
| 42 | Cardinal Financial Company, Li | 525 | 384 | $147m | 8.3% | 0.5 |
| 43 | Silver State Schools Credit Un | 597 | 361 | $40m | 24.8% | -3.0 |
| 44 | Ocmbc, Inc. | 565 | 330 | $117m | 17.3% | 1.5 |
| 45 | Amerisave Mortgage Company | 1,642 | 328 | $40m | 76.5% | 4.1 |
| 46 | Primelending | 441 | 293 | $101m | 7.2% | 0.3 |
| 47 | Kind Lending, LLC | 453 | 286 | $107m | 26.4% | 0.4 |
| 48 | Axia Financial LLC | 351 | 280 | $101m | 3.3% | 0.4 |
| 49 | American Pacific Mortgage Corporation | 385 | 279 | $96m | 10.8% | 0.5 |
| 50 | Toll Brothers Mortgage Company | 546 | 261 | $135m | 11.1% | -0.0 |
| 51 | Paramount Residential Mortgage | 377 | 259 | $96m | 1.5% | 0.5 |
| 52 | Luminate Home Loans, Inc. | 391 | 257 | $90m | 3.4% | 0.6 |
| 53 | 21st Mortgage | 1,353 | 249 | $22m | 72.2% | 4.5 |
| 54 | Taylor Morrison Home Funding, Inc. | 320 | 245 | $103m | 9.9% | -0.8 |
| 55 | Canopy Mortgage, LLC | 334 | 231 | $88m | 2.9% | 0.3 |
| 56 | Plains Commerce Bank | 381 | 230 | $94m | 2.1% | 0.2 |
| 57 | Peoples Mortgage Company | 281 | 219 | $76m | 3.1% | 1.0 |
| 58 | FBC Mortgage, LLC | 313 | 215 | $96m | 2.7% | 0.2 |
| 59 | Lakeview Loan Servicing, LLC | 661 | 213 | $71m | 49.7% | 0.3 |
| 60 | JFK Financial inc. | 292 | 213 | $81m | 0.5% | 0.5 |
Top 60 of 255 lenders with at least 25 applications in the state, by originations. 143 lenders have 100 or more applications here and link to a state-specific page.
Compared with the nation
| Measure | Nevada | United States |
|---|---|---|
| Denial rate | 23.9% | 24.3% |
| Median rate spread, pp | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.4% | 15.6% |
| Average originated loan | $366k | $329k |
| Originations per 1,000 households | 55.1 | 48.0 |
| Home purchase share of originations | 61.5% | 57.0% |
| FHA-insured share | 18.3% | 13.4% |
| VA-guaranteed share | 10.8% | 7.9% |
Trend, 2018–2024
ApplicationsOriginations
NevadaUnited States
FHA share of originationsVA share
| Year | Applications | Originations | Amount | Denial rate | FHA | VA | Refinance share |
|---|---|---|---|---|---|---|---|
| 2018 | 166,481 | 97,345 | $26bn | 24.0% | 13.4% | 11.5% | 31.5% |
| 2019 | 197,253 | 120,031 | $35bn | 20.0% | 15.1% | 15.4% | 46.4% |
| 2020 | 280,605 | 178,706 | $53bn | 15.5% | 12.4% | 16.3% | 64.0% |
| 2021 | 289,225 | 185,572 | $59bn | 15.3% | 10.7% | 12.8% | 60.2% |
| 2022 | 161,139 | 91,271 | $33bn | 23.1% | 12.0% | 10.3% | 33.9% |
| 2023 | 101,277 | 56,691 | $20bn | 25.6% | 18.5% | 9.8% | 15.8% |
| 2024 | 115,349 | 66,287 | $24bn | 23.9% | 18.3% | 10.8% | 21.9% |
Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).
Loan purpose and loan type, 2024
By purpose
Home purchase 62% (40,791)Home improvement 7% (4,558)Refinancing 9% (6,020)Cash-out refinancing 13% (8,512)Other purpose 10% (6,324)
By type
Conventional 71% (46,880)FHA 18% (12,137)VA 11% (7,171)USDA 0% (99)
Counties
| County | Applications | Originations | Per 1,000 households | Denial rate | Median spread | Lenders |
|---|---|---|---|---|---|---|
| Clark County | 85,817 | 48,834 | 56.6 | 24.7% | 0.3 | 225 |
| Washoe County | 14,982 | 8,982 | 45.1 | 20.8% | 0.4 | 92 |
| Lyon County | 2,931 | 1,831 | 77.1 | 18.2% | 0.3 | 30 |
| Nye County | 2,629 | 1,445 | 65.2 | 25.3% | 0.4 | 26 |
| Douglas County | 1,828 | 1,140 | 53.5 | 17.8% | 0.3 | 15 |
| Carson City | 1,719 | 1,072 | 45.2 | 19.4% | 0.3 | 14 |
| Elko County | 1,702 | 1,056 | 53.8 | 19.1% | 0.6 | 18 |
| Churchill County | 897 | 491 | 51.6 | 21.3% | 0.2 | 9 |
| Humboldt County | 588 | 359 | 51.9 | 21.9% | 0.5 | 5 |
| White Pine County | 314 | 180 | 53.6 | 20.3% | 0.6 | 1 |
| Storey County | 242 | 137 | 72.4 | 25.0% | 0.5 | 0 |
| Lander County | 167 | 95 | 44.6 | 22.2% | 0.6 | 0 |
| Mineral County | 97 | 61 | 33.3 | 23.5% | 0.4 | 0 |
| Lincoln County | 108 | 60 | 34.9 | 28.4% | 0.5 | 1 |
| Pershing County | 129 | 58 | 33.4 | 31.9% | 0.6 | 0 |
| Eureka County | 40 | 19 | 30.5 | 38.7% | — | 0 |
| Esmeralda County | 15 | 4 | 8.0 | — | — | 0 |
By originations. Lenders: those with at least 25 applications in the county.
VA-guaranteed loans by month
VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of Nevada originations by year is charted above from HMDA.
Questions and answers
Which mortgage lenders are most active in Nevada?
By 2024 originations: United Wholesale Mortgage (4,935), Rocket Mortgage (4,321), Guild Mortgage Company (3,909), America First Federal Credit Union (2,364), DHI Mortgage Company, LTD. (2,096). 255 lenders had at least 25 applications in the state.
What is the mortgage denial rate in Nevada?
23.9% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
How has mortgage lending in Nevada changed since 2018?
Originations went from 97,345 in 2018 to 66,287 in 2024; the denial rate moved from 24.0% to 23.9%.
Where does this data come from?
From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.