Lending / county
Elko, NV
FIPS 32007. In 2024, lenders decided 1,401 mortgage applications here and denied 268 of them (19.1%, against a national 24.3%). They originated 1,052 loans worth $276.8M, at a median loan of $275,000 and a median reported applicant income of $109,000. Among the 1,764 counties with 500 or more decisioned applications, this one ranks 964 by volume and 1457 by denial rate.
Volume and denials, 2018 to 2024
Source: HMDA public LAR (CFPB/FFIEC), snapshot files County of the property, as reported. The county universe is fixed on 2024: a county is on this page because it cleared 500 decisioned applications in 2024, and its earlier years are shown whatever their size. Methodology
Source: HMDA public LAR (CFPB/FFIEC), snapshot files Denials as a share of decisioned applications, the same definition on both lines. Methodology
Denial rate by applicant group, 2024
On the 535 screened applications in this county: first-lien, owner-occupied, site-built, one-unit home purchases. These are raw rates. Neither a Black nor a White non-Hispanic rate is compared here: the comparison is only drawn where both groups filed at least 100 screened applications, and in this county at least one of them did not. A group with fewer than 100 screened applications shows its count and no rate.
| Applicant group | Screened apps | Denied | Denial rate |
|---|---|---|---|
| White, non-Hispanic | 339 | 14 | 4.1% |
| White, Hispanic or Latino | 79 | 7 | n/a |
| Race not available | 58 | 0 | n/a |
| White, ethnicity not reported | 32 | 1 | n/a |
| Joint (race) | 14 | 0 | n/a |
| American Indian or Alaska Native | 8 | 0 | n/a |
| Black or African American | 4 | 0 | n/a |
| Asian | 1 | 0 | n/a |
Source: HMDA public LAR (CFPB/FFIEC), snapshot files Screened applications only, so these counts are smaller than the county's decisioned total. Race is reported on some applications and not others; the 'race not available' row is where it is not. Methodology
Why applications were denied, 2024
Source: HMDA public LAR (CFPB/FFIEC), snapshot files Primary denial reason on the 268 denials in this county in 2024. The national distribution is on the denials page. Methodology
Who lends here, 2024
113 distinct institutions originated a loan in this county in 2024. The largest made 22.9% of them. Lenders are identified by Legal Entity Identifier: the public register does not carry the institution’s name.
| # | LEI | Originations here | Share of county |
|---|---|---|---|
| 1 | 549300AQ3T62GXDU7D76 | 241 | 22.9% |
| 2 | 549300DD4R4SYK5RAQ92 | 99 | 9.4% |
| 3 | 549300HW662MN1WU8550 | 69 | 6.6% |
| 4 | 549300FGXN1K3HLB1R50 | 65 | 6.2% |
| 5 | 54930015645SYPOM7220 | 51 | 4.8% |
Source: HMDA public LAR (CFPB/FFIEC), snapshot files The largest originators in this county, 5 shown. A lender page exists only for the 300 largest reporters nationally; the others are printed as plain identifiers, not as links to pages that do not exist. Methodology
Product mix, 2024
Source: HMDA public LAR (CFPB/FFIEC), snapshot files Shares of this county's 1,052 originations in 2024. Nationally, FHA-insured loans were 13.4% of originations. Median contract rate here: 6.75%, national 6.88%. Methodology