Washoe County
Nevada · FIPS 32031
According to CFPB HMDA 2024 application volume among U.S. counties, Washoe County ranks #164 of 3,210, and #2 of 17 in Nevada.
Mortgage lending activity in Washoe 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. Washoe County, Nevada saw 16,903 HMDA-reported mortgage applications in 2024. Lenders originated 8,968 of those loans and denied 2,509, producing a denial rate of 14.8% and an approval (origination) rate of 53.1%. The average loan amount was $376,856 at an average note rate of 7.13%, with applicants self-reporting average annual income of $39K. 294 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 9.7x, meaning typical borrowers took on mortgages of about 9.7 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 Washoe County
In Washoe County, lead originator Guild Mortgage Company funded only 9.9% of 8,968 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Washoe County's 16,903 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Washoe County's $376,856 average loan (deduped against volume peers).
Lenders active in Washoe County
Guild Mortgage Company funded 886 of the 8,968 loans originated in Washoe County, 9.9% of the county. 294 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Guild Mortgage Company | 886 | 9.9% |
| 2 | Rocket Mortgage | 677 | 7.5% |
| 3 | United Wholesale Mortgage | 590 | 6.6% |
| 4 | United Federal Credit Union | 382 | 4.3% |
| 5 | DHI Mortgage Company, LTD. | 366 | 4.1% |
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 Washoe 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 Washoe 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.