Lyon County
Nevada · FIPS 32019
According to CFPB HMDA 2024 application volume among U.S. counties, Lyon County ranks #668 of 3,210, and #3 of 17 in Nevada.
Mortgage lending activity in Lyon 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. Lyon County, Nevada saw 3,352 HMDA-reported mortgage applications in 2024. Lenders originated 1,826 of those loans and denied 430, producing a denial rate of 12.8% and an approval (origination) rate of 54.5%. The average loan amount was $267,989 at an average note rate of 6.72%, with applicants self-reporting average annual income of $40K. 161 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.7x, meaning typical borrowers took on mortgages of about 6.7 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 Lyon County
In Lyon County, lead originator Guild Mortgage Company funded 15.1% of 1,826 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 32.0% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Lyon County's 3,352 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Lyon County's $267,989 average loan (deduped against volume peers).
Lenders active in Lyon County
Guild Mortgage Company funded 276 of the 1,826 loans originated in Lyon County, 15.1% of the county. 161 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Guild Mortgage Company | 276 | 15.1% |
| 2 | DHI Mortgage Company, LTD. | 176 | 9.6% |
| 3 | Rocket Mortgage | 132 | 7.2% |
| 4 | United Wholesale Mortgage | 107 | 5.9% |
| 5 | Greater Nevada Mortgage | 78 | 4.3% |
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 Lyon 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 Lyon 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.