One Nevada Credit Union Mortgage Lending & HMDA Data, 2023
In 2023, One Nevada Credit Union of Las Vegas, NV reported 1,266 mortgage applications totaling $193.9 million, down 27% from 2022. The average application was for $153,175, and applicants reported an average income of $117,528. 37% of its applications resulted in an originated loan and 46% were denied. Its largest markets were Las Vegas-Henderson-Paradise, NV (1,124), Reno, NV (90) and Colorado Springs, CO (3) (applications in parentheses).
| Mortgage Company & Address | One Nevada Credit Union 2645 S Mojave Rd Las Vegas, NV 89121 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,266 |
| Total Mortgage Loan Application Amount | $193,920,000 |
| Average Mortgage Loan Application Amount | $153,175 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $117,528 |
| Highest Applicant Income | $1,800,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records One Nevada Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Las Vegas-Henderson-Paradise, NV | 1,124 | $ 169,820,000 | $ 151,085 | $ 117,000 |
| Reno, NV | 90 | $ 12,910,000 | $ 143,444 | $ 133,000 |
| Outside any metro area | 31 | $ 3,845,000 | $ 124,032 | $ 91,290 |
| Colorado Springs, CO | 3 | $ 1,215,000 | $ 405,000 | $ 130,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 1,240,000 | $ 620,000 | $ 127,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 420,000 | $ 210,000 | $ 102,000 |
| Chicago-Naperville, IL | 1 | $ 355,000 | $ 355,000 | $ 68,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 595,000 | $ 595,000 | $ 105,000 |
| Duluth, MN-WI | 1 | $ 255,000 | $ 255,000 | $ 82,000 |
| Erie, PA | 1 | $ 185,000 | $ 185,000 | $ 99,000 |
| Farmington, NM | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 645,000 | $ 645,000 | $ 380,000 |
| Las Cruces, NM | 1 | $ 105,000 | $ 105,000 | $ 105,000 |
| Ocala, FL | 1 | $ 105,000 | $ 105,000 | $ 116,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 325,000 | $ 325,000 | $ 71,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 675,000 | $ 675,000 | $ 163,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 425,000 | $ 425,000 | $ 177,000 |
| San Diego-Carlsbad, CA | 1 | $ 355,000 | $ 355,000 | $ 101,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 265,000 | $ 265,000 | $ 153,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
Mortgage Loan Application Detail Totals for One Nevada Credit Union 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 |
|---|---|---|---|---|---|---|
| Other Purpose | 509 | $35,955,000 | $70,000 | $655,000 | $113,000 | $1,200,000 |
| Home Improvement | 380 | $31,170,000 | $82,000 | $1,005,000 | $123,000 | $1,800,000 |
| Home Purchase | 299 | $107,715,000 | $360,000 | $725,000 | $124,000 | $1,134,000 |
| Cash-out Refinancing | 70 | $16,040,000 | $229,000 | $605,000 | $91,000 | $425,000 |
| Refinancing | 8 | $3,040,000 | $380,000 | $645,000 | $136,000 | $266,000 |
| 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 | 591 | $91,955,000 | $155,000 | $1,005,000 | $121,000 | $1,800,000 |
| Hispanic | 234 | $33,730,000 | $144,000 | $685,000 | $100,000 | $780,000 |
| Not Provided | 165 | $21,015,000 | $127,000 | $1,005,000 | $143,000 | $1,134,000 |
| Asian | 128 | $17,400,000 | $135,000 | $685,000 | $125,000 | $1,200,000 |
| Black or African American | 112 | $25,520,000 | $227,000 | $665,000 | $97,000 | $360,000 |
| American Indian or Alaskan Native | 12 | $1,750,000 | $145,000 | $645,000 | $94,000 | $266,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,185,000 | $169,000 | $355,000 | $112,000 | $156,000 |
| Not applicable | 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) | 1,153 | $152,935,000 | $132,000 | $1,005,000 | $119,000 | $1,800,000 |
| FHA-insured (Federal Housing Administration) | 84 | $28,210,000 | $335,000 | $595,000 | $88,000 | $236,000 |
| VA-guaranteed (Veterans Administration) | 29 | $12,775,000 | $440,000 | $705,000 | $136,000 | $679,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 586 | $52,570,000 | $89,000 | $1,005,000 | $105,000 | $1,800,000 |
| Loan Originated | 471 | $101,945,000 | $216,000 | $725,000 | $127,000 | $1,134,000 |
| Application Withdrawn By Applicant | 201 | $36,795,000 | $183,000 | $705,000 | $131,000 | $941,000 |
| File Closed For Incompleteness | 8 | $2,610,000 | $326,000 | $535,000 | $133,000 | $229,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 | 680 | $141,350,000 | $207,000 | $725,000 | $129,000 | $1,134,000 |
| Debt-To-Income Ratio | 258 | $24,640,000 | $95,000 | $575,000 | $82,000 | $348,000 |
| Other | 148 | $12,670,000 | $85,000 | $1,005,000 | $122,000 | $1,800,000 |
| Collateral | 82 | $6,860,000 | $83,000 | $655,000 | $131,000 | $444,000 |
| Credit History | 69 | $6,475,000 | $93,000 | $1,005,000 | $106,000 | $1,200,000 |
| Unverifiable Information | 16 | $740,000 | $46,000 | $75,000 | $165,000 | $960,000 |
| Employment History | 11 | $795,000 | $72,000 | $235,000 | $131,000 | $220,000 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $118,000 | $118,000 |
| Mortgage Insurance Denied | 1 | $235,000 | $235,000 | $235,000 | $17,000 | $17,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into One Nevada Credit Union's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess One Nevada Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Nevada, download the full spreadsheet
with aggregated HMDA statistics today.
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