Eureka County, NV Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 43 mortgage applications in Eureka County, NV totaling $7.5 million, down 42% from 2022. The average application was for $174,000, and applicants reported an average income of $108,000. 40% of applications resulted in an originated loan and 30% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 8 applications, followed by Zions Bancorporation, N.A. and Academy 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 | 43 |
| Total Mortgage Loan Application Amount | $7,495,000 |
| Average Mortgage Loan Application Amount | $174,000 |
| Highest Mortgage Loan Application Amount | $425,000 |
| Average Applicant Income | $108,000 |
| Highest Applicant Income | $235,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 8 | $ 1,310,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 89,544,919,000 | 5 | $ 555,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 4 | $ 1,150,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 3 | $ 535,000 |
| Greater Nevada Mortgage 4070 SILVER SAGE DRIVE CARSON CITY, NV 89701 |
* | $ -1,000 | 3 | $ 685,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 290,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 540,000 |
| America First Federal Credit Union 4774 S 1300 W, BLDG 3 RIVERDALE, UT 84405 |
* | $ 17,379,010,000 | 2 | $ 230,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 55,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 1 | $ 425,000 |
| Idaho Central Credit Union 4400 CENTRAL WAY CHUBBUCK, ID 83202 |
* | $ 9,744,391,000 | 1 | $ 35,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 1 | $ 35,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,601,623,000 | 1 | $ 195,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 15,840,363,000 | 1 | $ 135,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 195,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 205,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 125,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,418,508,000,000 | 1 | $ 45,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 255,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 175,000 |
The tables below break down 2023 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 2023
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 | 21 | $4,135,000 | $196,000 | $425,000 | $98,000 | $235,000 |
| Refinancing | 8 | $1,900,000 | $237,000 | $425,000 | $115,000 | $168,000 |
| Cash-out Refinancing | 5 | $715,000 | $143,000 | $185,000 | $107,000 | $153,000 |
| Home Improvement | 5 | $335,000 | $67,000 | $155,000 | $110,000 | $143,000 |
| Other Purpose | 4 | $410,000 | $102,000 | $195,000 | $140,000 | $235,000 |
| Not Applicable | 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 | 31 | $5,435,000 | $175,000 | $425,000 | $99,000 | $168,000 |
| Not Provided | 8 | $1,280,000 | $160,000 | $255,000 | $109,000 | $200,000 |
| Hispanic | 3 | $585,000 | $195,000 | $225,000 | $199,000 | $235,000 |
| Not applicable | 1 | $195,000 | $195,000 | $195,000 | $0 | $0 |
| 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) | 35 | $5,275,000 | $150,000 | $415,000 | $109,000 | $235,000 |
| FHA-insured (Federal Housing Administration) | 6 | $1,750,000 | $291,000 | $425,000 | $117,000 | $154,000 |
| VA-guaranteed (Veterans Administration) | 2 | $470,000 | $235,000 | $255,000 | $52,000 | $104,000 |
| 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 | 17 | $3,355,000 | $197,000 | $425,000 | $106,000 | $168,000 |
| Application Denied By Financial Institution | 13 | $1,565,000 | $120,000 | $225,000 | $119,000 | $235,000 |
| File Closed For Incompleteness | 6 | $850,000 | $141,000 | $255,000 | $79,000 | $130,000 |
| Application Withdrawn By Applicant | 4 | $910,000 | $227,000 | $415,000 | $113,000 | $154,000 |
| Loan Purchased By The Institution | 2 | $620,000 | $310,000 | $425,000 | $128,000 | $128,000 |
| Application Approved But Not Accepted | 1 | $195,000 | $195,000 | $195,000 | $110,000 | $110,000 |
| 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 | 30 | $5,930,000 | $197,000 | $425,000 | $102,000 | $168,000 |
| Collateral | 4 | $250,000 | $62,000 | $155,000 | $109,000 | $153,000 |
| Credit History | 3 | $425,000 | $141,000 | $195,000 | $157,000 | $235,000 |
| Debt-To-Income Ratio | 2 | $380,000 | $190,000 | $225,000 | $72,000 | $91,000 |
| Unverifiable Information | 2 | $250,000 | $125,000 | $145,000 | $64,000 | $92,000 |
| Credit Application Incomplete | 1 | $225,000 | $225,000 | $225,000 | $235,000 | $235,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $137,000 | $137,000 |
| 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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