Humboldt County
Nevada · FIPS 32013
According to CFPB HMDA 2024 application volume among U.S. counties, Humboldt County ranks #1,786 of 3,210, and #9 of 17 in Nevada.
Mortgage lending activity in Humboldt 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. Humboldt County, Nevada saw 666 HMDA-reported mortgage applications in 2024. Lenders originated 358 of those loans and denied 106, producing a denial rate of 15.9% and an approval (origination) rate of 53.8%. The average loan amount was $247,312 at an average note rate of 6.79%, with applicants self-reporting average annual income of $39K. 57 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.3x, meaning typical borrowers took on mortgages of about 6.3 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 Humboldt County
In Humboldt County, lead originator American Pacific Mortgage Corporation funded 25.7% of 358 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 43.6% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Humboldt County's 666 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Humboldt County's $247,312 average loan (deduped against volume peers).
Lenders active in Humboldt County
American Pacific Mortgage Corporation funded 92 of the 358 loans originated in Humboldt County, 25.7% of the county. 57 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | American Pacific Mortgage Corporation | 92 | 25.7% |
| 2 | Movement Mortgage, LLC | 42 | 11.7% |
| 3 | Rocket Mortgage | 22 | 6.1% |
| 4 | United Wholesale Mortgage | 22 | 6.1% |
| 5 | Crosscountry Mortgage, LLC | 17 | 4.7% |
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 Humboldt 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 Humboldt 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.