Eureka County, NV Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 38 mortgage applications in Eureka County, NV totaling $5.9 million, down 25% from 2018. The average application was for $155,000, and applicants reported an average income of $72,000. 50% of applications resulted in an originated loan and 16% were denied. The most active lender was Guild Mortgage Company, with 6 applications, followed by Zions Bancorporation, N.A. and First Guaranty Mortgage Corporation.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 38 |
| Total Mortgage Loan Application Amount | $5,890,000 |
| Average Mortgage Loan Application Amount | $155,000 |
| Highest Mortgage Loan Application Amount | $345,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $232,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 6 | $ 900,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 68,745,745,000 | 4 | $ 770,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 3 | $ 665,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 3 | $ 365,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 320,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 130,000 |
| Greater Nevada LLC 4070 SILVER SAGE DRIVE CARSON CITY, NV 89701 |
* | $ -1,000 | 2 | $ 190,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 2 | $ 250,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ -1,000 | 2 | $ 320,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 2 | $ 410,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 85,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 175,000 |
| Bay-Valley Mortgage Group 23320 FOOTHILL BLVD, SUITE 260 HAYWARD, CA 94541 |
* | $ -1,000 | 1 | $ 205,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 235,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,636,147,000 | 1 | $ 195,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 1 | $ 105,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 215,000 |
The tables below break down 2019 mortgage applications in Eureka County, NV by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Eureka County, NV in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 24 | $3,380,000 | $140,000 | $235,000 | $59,000 | $136,000 |
| Cash-out Refinancing | 5 | $875,000 | $175,000 | $205,000 | $77,000 | $100,000 |
| Refinancing | 5 | $905,000 | $181,000 | $235,000 | $111,000 | $111,000 |
| Home Improvement | 2 | $530,000 | $265,000 | $345,000 | $173,000 | $232,000 |
| Not Applicable | 1 | $135,000 | $135,000 | $135,000 | $0 | $0 |
| Other Purpose | 1 | $65,000 | $65,000 | $65,000 | $60,000 | $60,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 27 | $4,255,000 | $157,000 | $345,000 | $68,000 | $232,000 |
| Not applicable | 5 | $805,000 | $161,000 | $235,000 | $0 | $0 |
| Not Provided | 3 | $455,000 | $151,000 | $185,000 | $76,000 | $96,000 |
| Hispanic | 3 | $375,000 | $125,000 | $135,000 | $95,000 | $109,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 18 | $2,700,000 | $150,000 | $345,000 | $79,000 | $232,000 |
| FHA-insured (Federal Housing Administration) | 13 | $1,895,000 | $145,000 | $235,000 | $67,000 | $109,000 |
| VA-guaranteed (Veterans Administration) | 4 | $820,000 | $205,000 | $235,000 | $63,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $475,000 | $158,000 | $185,000 | $53,000 | $53,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 19 | $3,325,000 | $175,000 | $345,000 | $83,000 | $232,000 |
| Loan Purchased By The Institution | 7 | $1,125,000 | $160,000 | $235,000 | $81,000 | $109,000 |
| Application Denied By Financial Institution | 6 | $700,000 | $116,000 | $205,000 | $43,000 | $69,000 |
| Application Withdrawn By Applicant | 3 | $435,000 | $145,000 | $205,000 | $70,000 | $100,000 |
| File Closed For Incompleteness | 3 | $305,000 | $101,000 | $175,000 | $40,000 | $53,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 32 | $5,190,000 | $162,000 | $345,000 | $76,000 | $232,000 |
| Collateral | 3 | $485,000 | $161,000 | $205,000 | $29,000 | $33,000 |
| Credit History | 2 | $130,000 | $65,000 | $105,000 | $69,000 | $69,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $48,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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