Today's Nevada (NV) Mortgage Rates

Nevada (NV) Mortgage Rates & Mortgage Loan Data – Prior Year

Mortgage Actions Taken

Loan originated: 666,427
Loan purchased by the institution: 311,264
Application denied by financial institution: 265,808
Application withdrawn by applicant: 134,472
Application approved but not accepted: 72,634
File closed for incompleteness: 38,033
Preapproval request denied by financial institution: 500
Preapproval request approved but not accepted: 81

Purpose of Loans

Home purchase: 720,742
Refinancing: 712,985
Home improvement: 55,492

Mortgage Types

Conventional: 1,016,459
FHA-insured: 358,559
VA-guaranteed: 104,815
FSA/RHS-guaranteed: 9,386

Mortage Actions by Applicant Race

White: 983,577
Information not provided by applicant in mail, Internet, or telephone application: 165,986
Not applicable: 140,598
Asian: 110,328
Black or African American: 56,840
Native Hawaiian or Other Pacific Islander: 19,863
American Indian or Alaska Native: 12,027

Mortage Actions by Applicant Ethnicity

Not Hispanic or Latino: 998,837
Hispanic or Latino: 195,208
Information not provided by applicant in mail, Internet, or telephone application: 154,095
Not applicable: 141,079

Mortage Actions by Applicant Sex

Male: 872,203
Female: 388,532
Not applicable: 140,694
Information not provided by applicant in mail, Internet, or telephone application: 87,790

Mortage Actions by Agency Name

Department of Housing and Urban Development: 546,016
Consumer Financial Protection Bureau: 316,674
Office of the Comptroller of the Currency: 314,987
Office of Thrift Supervision: 131,074
Federal Reserve System: 103,164
National Credit Union Administration: 42,933
Federal Deposit Insurance Corporation: 34,371

Mortage Actions by County

Clark County: 1,092,530
Washoe County: 230,323
Lyon County: 31,183
Douglas County: 30,819
Elko County: 24,984
Carson City: 22,499
Nye County: 20,903
Churchill County: 10,315
Humboldt County: 7,115
Unknown: 6,057
White Pine County: 3,055
Storey County: 2,935
Lander County: 2,196
Pershing County: 1,487
Lincoln County: 1,448
Mineral County: 839
Eureka County: 430
Esmeralda County: 101

Mortage Actions by City

Las Vegas, Paradise – NV: 889,907
Las Vegas, Henderson, Paradise – NV: 201,658
Reno, Sparks – NV: 186,744
Unknown: 141,994
Reno – NV: 46,430
Carson City – NV: 22,486

Mortage Denial Reasons

Unknown: 1,286,938
Collateral: 49,139
Debt-to-income ratio: 42,460
Credit history: 42,046
Other: 28,601
Credit application incomplete: 20,701
Unverifiable information: 11,575
Insufficient cash (downpayment, closing costs): 4,436
Employment history: 3,023
Mortgage insurance denied: 300

HOEPA Status of Mortage Loans

Not a HOEPA loan: 1,489,170
HOEPA loan: 49

Lien Status of Mortage Loans

Secured by a first lien: 1,099,555
Not applicable: 311,264
Secured by a subordinate lien: 62,439
Not secured by a lien: 15,961

Owner Occupancy Status of Mortage Loans

Owner-occupied as a principal dwelling: 1,260,530
Not owner-occupied as a principal dwelling: 224,357
Not applicable: 4,332

Mortgages by Property Type

One-to-four family dwelling (other than manufactured housing): 1,453,294
Manufactured housing: 34,219
Multifamily dwelling: 1,706

Mortgages by Purchaser Type

Loan was not originated or was not sold in calendar year covered by register: 687,595
Fannie Mae (FNMA): 210,882
Ginnie Mae (GNMA): 187,526
Freddie Mac (FHLMC): 114,156
Other type of purchaser: 82,471
Affiliate institution: 73,503
Commercial bank, savings bank or savings association: 63,925
Life insurance company, credit union, mortgage bank, or finance company: 52,223
Private securitization: 16,928
Farmer Mac (FAMC): 10