Mortgage Approval and Denial Rates in Nevada (2025 HMDA)
Mortgage denial rates in Nevada: lenders acted on 119,479 mortgage applications in Nevada in 2025 and denied 17.3% of them, down from 18.9% in 2024. The national denial rate was 17.7%.
Applications acted on
119,479
Loans originated
69,135
Denial rate
17.3%
Median loan
$305,000
Nevada against the national picture
Most-reported denial reason in Nevada: Debt-to-income ratio.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Nye County | 2,865 | 20.5% | $245,000 |
| Lincoln County | 156 | 20.5% | $185,000 |
| Storey County | 254 | 19.3% | $255,000 |
| Pershing County | 150 | 19.3% | $215,000 |
| Clark County | 87,317 | 17.9% | $305,000 |
| Lander County | 177 | 17.5% | $225,000 |
| Mineral County | 122 | 17.2% | $155,000 |
| White Pine County | 333 | 17.1% | $165,000 |
| Carson City | 1,784 | 15.5% | $295,000 |
| Lyon County | 3,264 | 15.3% | $295,000 |
| Washoe County | 17,407 | 15.1% | $325,000 |
| Churchill County | 968 | 14.9% | $305,000 |
| Humboldt County | 695 | 14.7% | $265,000 |
| Elko County | 1,802 | 14.2% | $285,000 |
| Douglas County | 2,121 | 13.9% | $365,000 |
Find out what you'd be approved for in Nevada
State averages hide a lot. Compare real offers based on your credit, income and down payment.
Compare mortgage offersEditorial disclosure — Some companies listed here are commercial brands. We select them editorially from public regulatory data and are never paid for placement or ranking. Read our full disclosure.
Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.