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One Nevada Credit Union

LAS VEGAS, NV

One Nevada Credit Union processed 1,175 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 415 loans with a 46.1% denial rate. Other was the primary loan purpose. Based in LAS VEGAS, NV. The approval rate of 35.3% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. One Nevada Credit Union's 35.3% origination rate tells you how often an application turned into funded money; the 46.1% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Other, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,038 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

1,175
Applications
415
Originated
46.1%
Denial Rate
$168,421
Avg Loan Amount
Avg Interest Rate: 6.900% Avg Applicant Income: $38,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 1,038 320 531 $138,237
FHA 103 69 9 $362,573
VA 34 26 2 $501,765

Top loan types - One Nevada Credit Union

Top loan types - One Nevada Credit Union Horizontal bar chart of the top 3 items by value (applications). Top loan types - One Nevada Credit Union Top 3 1. Conventional 1,038 2. FHA 103 3. VA 34 Top 5 loan types by application volume at One Nevada Credit Union (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for One Nevada Credit Union (LEI: 549300PMVNBERP6TB157) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
325
Other
322
Collateral
189
Credit history
128
Employment history
26
Unverifiable information
15
Insufficient cash
3
Credit application incomplete
3

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Other 460 84 $79,348
Home Improvement 361 77 $85,748
Home Purchase 289 206 $382,612
Cash-out Refinancing 46 34 $277,826
Refinancing 19 14 $372,895

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 655 38.0% 42.9%
Black or African American 138 41.3% 39.9%
Asian 103 28.2% 58.3%
Joint * 30 53.3% 30.0%
Native Hawaiian or Other Pacific Islander * 14 35.7% 50.0%
American Indian or Alaska Native * 11 18.2% 81.8%
2 or more minority races * 8 0.0% 100.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 669 39.8% 43.2%
Hispanic or Latino 284 27.5% 53.2%
Joint 53 34.0% 43.4%

Nearby Lenders in NV

Other HMDA-reporting lenders in NV with similar activity. Compare any two side-by-side.

Village Capital & Investment

Henderson, NV

60,039 apps 11,531 originated 7.4% denied

Nations Direct Mortgage, LLC

HENDERSON, NV

7,894 apps 5,464 originated 7.4% denied

Panorama Mortgage Group, LLC

LAS VEGAS, NV

4,626 apps 1,813 originated 0.8% denied

Clark County Credit Union

Las Vegas, NV

1,302 apps 591 originated 28.6% denied

Valley West Corporation

Las Vegas, NV

1,241 apps 485 originated 7.0% denied
Compare One Nevada Credit Union vs Village Capital & Investment →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did One Nevada Credit Union process?
One Nevada Credit Union processed 1,175 mortgage applications in the 2024 HMDA reporting year. Of these, 415 were originated (approved and funded), 210 were withdrawn by the applicant, and 542 were denied.
What is One Nevada Credit Union's mortgage approval rate?
One Nevada Credit Union has an approval (origination) rate of 35.3%, meaning 35.3% of all applications resulted in a funded mortgage. The denial rate is 46.1%.
What is the average loan amount at One Nevada Credit Union?
The average mortgage loan amount at One Nevada Credit Union is $168,421. The average interest rate is 6.900%. The average applicant income is $38,000.
What are the most common reasons for mortgage denial at One Nevada Credit Union?
The most common reasons for mortgage denial at One Nevada Credit Union are: Debt-to-income ratio, Other, Collateral. In total, 542 applications were denied out of 1,175 total applications.
What types of mortgage loans does One Nevada Credit Union offer?
One Nevada Credit Union processes Conventional, FHA, VA loans. The most common type is Conventional with 1,038 applications and an average loan amount of $138,237.
What loan purposes does One Nevada Credit Union serve?
One Nevada Credit Union serves the following loan purposes: Other (460 applications), Home Improvement (361 applications), Home Purchase (289 applications), Cash-out Refinancing (46 applications), Refinancing (19 applications). Other is the most common purpose.
Where is One Nevada Credit Union located?
One Nevada Credit Union is headquartered in LAS VEGAS, NV. The lender is identified by LEI 549300PMVNBERP6TB157 in HMDA data.
How does One Nevada Credit Union compare in lending across racial demographics?
One Nevada Credit Union reports demographic lending data under HMDA requirements. White applicants have an approval rate of 38.0% and denial rate of 42.9%; Black or African American applicants have an approval rate of 41.3% and denial rate of 39.9%; Asian applicants have an approval rate of 28.2% and denial rate of 58.3%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is 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.