Lincoln County, NV Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 130 mortgage applications in Lincoln County, NV totaling $17.9 million, down 14% from 2009. The average application was for $137,000, and applicants reported an average income of $58,000. 42% of applications resulted in an originated loan and 22% were denied. The most active lender was Bank of America, N.A., with 18 applications, followed by Wells Fargo Bank, NA and Moapa Valley FCU.
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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 | 130 |
| Total Mortgage Loan Application Amount | $17,911,000 |
| Average Mortgage Loan Application Amount | $137,000 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $343,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 18 | $ 2,845,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 9 | $ 1,332,000 |
| Moapa Valley FCU P.O. BOX 306 OVERTON, NV 89040 |
* | $ 75,461,000 | 9 | $ 1,051,000 |
| Nevada Bank & Trust 210 FRONT STREET CALIENTE, NV 89008 |
* | $ 95,046,000 | 8 | $ 428,000 |
| Mountain America Federal Credit Union 7181 SOUTH CAMPUS VIEW DRIVE SANDY, UT 84091 |
* | $ 2,771,881,000 | 7 | $ 779,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 6 | $ 903,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 613,000 |
| Imortgage.Com, Inc. 4800 N. SCOTTSDALE ROAD, SUITE 3800 SCOTTSDALE, AZ 85251 |
* | $ 10,000,000 | 5 | $ 485,000 |
| Direct Equity Mortgage 3285 N. FORT APACHE RD. LAS VEGAS, NV 89129 |
* | $ 10,000,000 | 3 | $ 552,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 491,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 3 | $ 522,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 3 | $ 298,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 3 | $ 480,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 2 | $ 464,000 |
| Silver State Schools Credit Un 4221 MCLEOD LAS VEGAS, NV 89119 |
* | $ 1,001,878,000 | 2 | $ 284,000 |
| City 1st Mortgage Services, Lc 750 S. MAIN SUITE 104 BOUNTIFUL, UT 84010 |
* | $ 10,000,000 | 2 | $ 287,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 111,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 497,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 535,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 2 | $ 239,000 |
| Nevada State Bank 4170 S. MARYLAND PKWY, 2ND FL LAS VEGAS, NV 89119 |
* | $ 4,236,320,000 | 1 | $ 63,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 1 | $ 95,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ 10,000,000 | 1 | $ 74,000 |
| Greater Nevada Mortgage 4070 SILVER SAGE DRIVE CARSON CITY, NV 89701 |
* | $ 338,783,000 | 1 | $ 103,000 |
| First Mortgage Corporation 1131 W. 6TH STREET ONTARIO, CA 91762 |
* | $ 10,000,000 | 1 | $ 220,000 |
| Evergreen Moneysource Mortgage 915 118TH AVENUE SE, SUITE 300 BELLEVUE, WA 98005 |
* | $ 10,000,000 | 1 | $ 218,000 |
| Land/Home Financial Services 1355 WILLOW WAY, SUITE 250 CONCORD, CA 94520 |
* | $ 10,000,000 | 1 | $ 108,000 |
| First Star Bank, S.S.B. 109 S COMMERCE / PO BOX 7 BREMOND, TX 76629 |
* | $ 188,577,000 | 1 | $ 162,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 1 | $ 167,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 1 | $ 52,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 97,000 |
| Zions First National Bank ONE S MAIN ST 11TH FL SALT LAKE CITY, UT 84133 |
* | $ 17,860,211,000 | 1 | $ 160,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 1 | $ 138,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 1 | $ 165,000 |
| Shelter Mortgage Company, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 1 | $ 192,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 159,000 |
The tables below break down 2010 mortgage applications in Lincoln 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 Lincoln County, NV in 2010
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 | 95 | $13,909,000 | $146,000 | $405,000 | $57,000 | $343,000 |
| Home Purchase | 29 | $3,479,000 | $119,000 | $300,000 | $54,000 | $109,000 |
| Home Improvement | 6 | $523,000 | $87,000 | $160,000 | $93,000 | $135,000 |
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 | 101 | $13,822,000 | $136,000 | $405,000 | $61,000 | $159,000 |
| Not Provided | 16 | $2,044,000 | $127,000 | $287,000 | $77,000 | $343,000 |
| Not applicable | 10 | $1,602,000 | $160,000 | $228,000 | $0 | $0 |
| Hispanic | 2 | $278,000 | $139,000 | $181,000 | $58,000 | $70,000 |
| Black or African American | 1 | $165,000 | $165,000 | $165,000 | $85,000 | $85,000 |
| 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 |
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) | 82 | $10,811,000 | $131,000 | $405,000 | $64,000 | $343,000 |
| FHA-insured (Federal Housing Administration) | 41 | $6,111,000 | $149,000 | $276,000 | $48,000 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $804,000 | $160,000 | $207,000 | $50,000 | $54,000 |
| VA-guaranteed (Veterans Administration) | 2 | $185,000 | $92,000 | $97,000 | $40,000 | $47,000 |
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 | 54 | $6,732,000 | $124,000 | $283,000 | $65,000 | $159,000 |
| Loan Purchased By The Institution | 28 | $3,979,000 | $142,000 | $232,000 | $31,000 | $99,000 |
| Application Denied By Financial Institution | 28 | $4,188,000 | $149,000 | $332,000 | $76,000 | $343,000 |
| Application Withdrawn By Applicant | 12 | $1,503,000 | $125,000 | $288,000 | $55,000 | $86,000 |
| File Closed For Incompleteness | 5 | $1,194,000 | $238,000 | $405,000 | $48,000 | $83,000 |
| Application Approved But Not Accepted | 3 | $315,000 | $105,000 | $166,000 | $49,000 | $62,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 10 | $1,538,000 | $153,000 | $300,000 | $63,000 | $116,000 |
| Collateral | 8 | $1,407,000 | $175,000 | $332,000 | $106,000 | $343,000 |
| Credit History | 4 | $263,000 | $65,000 | $151,000 | $50,000 | $106,000 |
| Credit Application Incomplete | 2 | $224,000 | $112,000 | $139,000 | $58,000 | $81,000 |
| Other | 1 | $165,000 | $165,000 | $165,000 | $85,000 | $85,000 |
| Unverifiable Information | 1 | $240,000 | $240,000 | $240,000 | $114,000 | $114,000 |
| 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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