Esmeralda County
Nevada · FIPS 32009
According to CFPB HMDA 2024 application volume among U.S. counties, Esmeralda County ranks #3,159 of 3,210, and #17 of 17 in Nevada.
Mortgage lending activity in Esmeralda 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. Esmeralda County, Nevada saw 15 HMDA-reported mortgage applications in 2024. Lenders originated 4 of those loans and denied 3, producing a denial rate of 20.0% and an approval (origination) rate of 26.7%. The average loan amount was $147,667 at an average note rate of 8.24%, with applicants self-reporting average annual income of $33K. 3 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.5x, meaning typical borrowers took on mortgages of about 4.5 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 Esmeralda County
In Esmeralda County, lead originator Zions Bancorporation, N.A. funded 50.0% of 4 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 100.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Esmeralda County's 15 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Esmeralda County's $147,667 average loan (deduped against volume peers).
Lenders active in Esmeralda County
Zions Bancorporation, N.A. funded 2 of the 4 loans originated in Esmeralda County, 50.0% of the county. 3 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Zions Bancorporation, N.A. | 2 | 50.0% |
| 2 | Credit Human Federal Credit Un | 1 | 25.0% |
| 3 | Guild Mortgage Company | 1 | 25.0% |
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; does not constitute financial advice for Esmeralda County borrowers.
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 Esmeralda County 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. 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.