Clark County
Nevada · FIPS 32003
According to CFPB HMDA 2024 application volume among U.S. counties, Clark County ranks #6 of 3,223, and #1 of 17 in Nevada.
Mortgage lending activity in Clark County, Nevada based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Clark County, Nevada lenders denied 16,853 of the applications reported here, financing the rest at an average note rate of 6.98%, with applicants self-reporting average annual income of $40K. 485 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 8.7x, meaning typical borrowers took on mortgages of about 8.7 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Clark County
In Clark County, lead originator United Wholesale Mortgage funded only 7.8% of 48,471 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 18.6% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Clark County's 98,857 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Clark County's $347,753 average loan (deduped against volume peers).
Lenders active in Clark County
United Wholesale Mortgage funded 3,803 of the 48,471 loans originated in Clark County, 7.8% of the county. 485 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 3,803 | 7.8% |
| 2 | Rocket Mortgage | 3,037 | 6.3% |
| 3 | America First Federal Credit Union | 2,185 | 4.5% |
| 4 | Guild Mortgage Company | 1,992 | 4.1% |
| 5 | DHI Mortgage Company, LTD. | 1,541 | 3.2% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Clark County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Clark County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.