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2024 data HMDA 2024 disclosure official source

Douglas County

2,030 mortgage applications, 12.9% denial rate. Verify FIPS 32005 with U.S. Census Bureau →

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Nevada · FIPS 32005

Local mortgage market. Douglas County, Nevada saw 2,030 HMDA-reported mortgage applications in 2024. Lenders originated 1,139 of those loans and denied 261, producing a denial rate of 12.9% and an approval (origination) rate of 56.1%. The average loan amount was $419,187 at an average note rate of 7.25%, with applicants self-reporting average annual income of $38K. 149 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 11.0x, meaning typical borrowers took on mortgages of about 11.0 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.

FIPS 32005 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,030
Applications
1,139
Originated
12.9%
Denial Rate
56.1%
Approval Rate
$419,187
Avg Loan Amount
7.25%
Avg Interest Rate
$38K
Avg Applicant Income
11.0x
Loan-to-Income Ratio

Nearby Lenders in Douglas County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Guild Mortgage Company 157 13.8%
2 Rocket Mortgage 103 9.0%
3 Us Bank, N.A. 99 8.7%
4 Greater Nevada Mortgage 76 6.7%
5 United Wholesale Mortgage 64 5.6%
Compare Guild Mortgage Company vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Douglas County?
In the 2024 HMDA reporting year, 2,030 mortgage applications were filed in Douglas County, Nevada. Of these, 1,139 were originated (approved and funded), while 261 were denied, resulting in a denial rate of 12.9%.
What is the mortgage denial rate in Douglas County?
The mortgage denial rate in Douglas County is 12.9%. The approval (origination) rate is 56.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Douglas County?
The average mortgage loan amount in Douglas County is $419,187. The average interest rate is 7.253%. The average applicant income is $38K.
What is the loan-to-income ratio in Douglas County?
The average loan-to-income ratio in Douglas County is 11.0x, meaning borrowers took on loans averaging 11.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Douglas County?
The top mortgage lenders in Douglas County by origination volume are Guild Mortgage Company, Rocket Mortgage, Us Bank, N.A.. In total, 149 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.