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2024 data HMDA 2024 disclosure official source

Lyon County

3,352 mortgage applications, 12.8% denial rate. Verify FIPS 32019 with U.S. Census Bureau →

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Nevada · FIPS 32019

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.

FIPS 32019 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,352
Applications
1,826
Originated
12.8%
Denial Rate
54.5%
Approval Rate
$267,989
Avg Loan Amount
6.72%
Avg Interest Rate
$40K
Avg Applicant Income
6.7x
Loan-to-Income Ratio

Nearby Lenders in Lyon 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 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%
Compare Guild Mortgage Company vs DHI Mortgage Company, LTD. →

Frequently Asked Questions

How many mortgage applications were filed in Lyon County?
In the 2024 HMDA reporting year, 3,352 mortgage applications were filed in Lyon County, Nevada. Of these, 1,826 were originated (approved and funded), while 430 were denied, resulting in a denial rate of 12.8%.
What is the mortgage denial rate in Lyon County?
The mortgage denial rate in Lyon County is 12.8%. The approval (origination) rate is 54.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Lyon County?
The average mortgage loan amount in Lyon County is $267,989. The average interest rate is 6.718%. The average applicant income is $40K.
What is the loan-to-income ratio in Lyon County?
The average loan-to-income ratio in Lyon County is 6.7x, meaning borrowers took on loans averaging 6.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Lyon County?
The top mortgage lenders in Lyon County by origination volume are Guild Mortgage Company, DHI Mortgage Company, LTD., Rocket Mortgage. In total, 161 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.