Eureka County, NV Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 86 mortgage applications in Eureka County, NV totaling $15.1 million, up 56% from 2020. The average application was for $175,000, and applicants reported an average income of $81,000. 42% of applications resulted in an originated loan and 24% were denied. The most active lender was Zions Bancorporation, N.A., with 11 applications, followed by Guild Mortgage Company and 21st Mortgage.
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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 | 86 |
| Total Mortgage Loan Application Amount | $15,050,000 |
| Average Mortgage Loan Application Amount | $175,000 |
| Highest Mortgage Loan Application Amount | $355,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $197,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 69,171,552,000 | 11 | $ 1,495,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 8 | $ 1,230,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 8 | $ 660,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 6 | $ 1,210,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 5 | $ 785,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 850,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 3 | $ 595,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 465,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 3 | $ 575,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 445,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 3 | $ 515,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 170,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 2 | $ 360,000 |
| All Western Mortgage Inc 8345 W SUNSET RD SUITE 380 LAS VGEAS, NV 89113 |
* | $ -1,000 | 2 | $ 480,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ -1,000 | 1 | $ 185,000 |
| Citywide Home Loans, LLC CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 255,000 |
| Infinity Equity Group, Inc. 2285 HILLTOP DR SUITE 100 REDDING, CA 96002 |
* | $ -1,000 | 1 | $ 265,000 |
| Greater Nevada Mortgage 4070 SILVER SAGE DRIVE CARSON CITY, NV 89701 |
* | $ -1,000 | 1 | $ 175,000 |
| First Colony Mortgage Corporat 500 EAST PARK AVENUE SUITE 900 OREM, UT 84097 |
* | $ -1,000 | 1 | $ 355,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 1 | $ 255,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 1 | $ 235,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 225,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 265,000 |
| Nova Financial & Investment Corporation 6245 E. BROADWAY BLVD., SUITE 400 TUCSON, AZ 85711 |
* | $ -1,000 | 1 | $ 165,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 225,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 1 | $ 205,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 295,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 355,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 265,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 1 | $ 145,000 |
| Mann Financial Inc. 1220 WHITEFISH STAGE ROAD KALISPELL, MT 59901 |
* | $ -1,000 | 1 | $ 225,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 255,000 |
The tables below break down 2021 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 2021
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 |
|---|---|---|---|---|---|---|
| Refinancing | 37 | $7,255,000 | $196,000 | $355,000 | $94,000 | $133,000 |
| Home Purchase | 32 | $5,200,000 | $162,000 | $295,000 | $62,000 | $197,000 |
| Cash-out Refinancing | 13 | $2,055,000 | $158,000 | $235,000 | $85,000 | $155,000 |
| Home Improvement | 4 | $540,000 | $135,000 | $205,000 | $104,000 | $160,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 64 | $10,490,000 | $163,000 | $355,000 | $77,000 | $197,000 |
| Not Provided | 10 | $1,930,000 | $193,000 | $225,000 | $105,000 | $132,000 |
| Not applicable | 7 | $1,825,000 | $260,000 | $355,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $515,000 | $171,000 | $255,000 | $80,000 | $81,000 |
| Hispanic | 2 | $290,000 | $145,000 | $145,000 | $74,000 | $76,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 62 | $9,760,000 | $157,000 | $265,000 | $80,000 | $197,000 |
| FHA-insured (Federal Housing Administration) | 17 | $3,625,000 | $213,000 | $355,000 | $79,000 | $155,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,665,000 | $237,000 | $295,000 | $98,000 | $128,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 36 | $6,510,000 | $180,000 | $355,000 | $86,000 | $197,000 |
| Application Denied By Financial Institution | 21 | $2,935,000 | $139,000 | $225,000 | $71,000 | $125,000 |
| Application Withdrawn By Applicant | 12 | $2,230,000 | $185,000 | $255,000 | $83,000 | $118,000 |
| Loan Purchased By The Institution | 7 | $1,825,000 | $260,000 | $355,000 | $0 | $0 |
| File Closed For Incompleteness | 5 | $795,000 | $159,000 | $255,000 | $101,000 | $128,000 |
| Application Approved But Not Accepted | 5 | $755,000 | $151,000 | $225,000 | $67,000 | $79,000 |
| 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 | 65 | $12,115,000 | $186,000 | $355,000 | $85,000 | $197,000 |
| Debt-To-Income Ratio | 8 | $1,040,000 | $130,000 | $225,000 | $36,000 | $66,000 |
| Collateral | 5 | $765,000 | $153,000 | $205,000 | $100,000 | $120,000 |
| Credit Application Incomplete | 4 | $610,000 | $152,000 | $175,000 | $108,000 | $117,000 |
| Other | 3 | $425,000 | $141,000 | $225,000 | $82,000 | $125,000 |
| Credit History | 1 | $95,000 | $95,000 | $95,000 | $20,000 | $20,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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