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2024 data HMDA 2024 disclosure official source

Nye County

3,084 mortgage applications, 16.8% denial rate. Verify FIPS 32023 with U.S. Census Bureau →

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Nevada · FIPS 32023

Local mortgage market. Nye County, Nevada saw 3,084 HMDA-reported mortgage applications in 2024. Lenders originated 1,438 of those loans and denied 519, producing a denial rate of 16.8% and an approval (origination) rate of 46.6%. The average loan amount was $246,333 at an average note rate of 6.74%, with applicants self-reporting average annual income of $40K. 162 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.2x, meaning typical borrowers took on mortgages of about 6.2 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 32023 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,084
Applications
1,438
Originated
16.8%
Denial Rate
46.6%
Approval Rate
$246,333
Avg Loan Amount
6.74%
Avg Interest Rate
$40K
Avg Applicant Income
6.2x
Loan-to-Income Ratio

Nearby Lenders in Nye 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 United Wholesale Mortgage 119 8.3%
2 Guild Mortgage Company 112 7.8%
3 Taylor Morrison Home Funding, INC. 106 7.4%
4 Rocket Mortgage 104 7.2%
5 Fairway Independent Mort CORP 52 3.6%
Compare United Wholesale Mortgage vs Guild Mortgage Company →

Frequently Asked Questions

How many mortgage applications were filed in Nye County?
In the 2024 HMDA reporting year, 3,084 mortgage applications were filed in Nye County, Nevada. Of these, 1,438 were originated (approved and funded), while 519 were denied, resulting in a denial rate of 16.8%.
What is the mortgage denial rate in Nye County?
The mortgage denial rate in Nye County is 16.8%. The approval (origination) rate is 46.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Nye County?
The average mortgage loan amount in Nye County is $246,333. The average interest rate is 6.740%. The average applicant income is $40K.
What is the loan-to-income ratio in Nye County?
The average loan-to-income ratio in Nye County is 6.2x, meaning borrowers took on loans averaging 6.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Nye County?
The top mortgage lenders in Nye County by origination volume are United Wholesale Mortgage, Guild Mortgage Company, Taylor Morrison Home Funding, INC.. In total, 162 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.