Elko County
Nevada · FIPS 32007
According to CFPB HMDA 2024 application volume among U.S. counties, Elko County ranks #951 of 3,223, and #6 of 17 in Nevada.
Mortgage lending activity in Elko 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. Elko County, Nevada lenders denied 268 of the applications reported here, financing the rest at an average note rate of 6.90%, with applicants self-reporting average annual income of $38K. 113 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.6x, meaning typical borrowers took on mortgages of about 6.6 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 Elko County
In Elko County, lead originator Guild Mortgage Company funded 22.9% of 1,052 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 38.9% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Elko County's 1,953 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Elko County's $251,426 average loan (deduped against volume peers).
Lenders active in Elko County
Guild Mortgage Company funded 241 of the 1,052 loans originated in Elko County, 22.9% of the county. 113 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Guild Mortgage Company | 241 | 22.9% |
| 2 | Movement Mortgage, LLC | 99 | 9.4% |
| 3 | United Wholesale Mortgage | 69 | 6.6% |
| 4 | Rocket Mortgage | 65 | 6.2% |
| 5 | Iserve Residential Lending | 51 | 4.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Elko 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 Elko 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.