21st Mortgage in Nevada vs the state
51.8%Denial rate+34.32 pts vs state
73.4%Decision denial rate+51.18 pts vs state
17.9%Origination rate-39.85 pts vs state
10.66%Median rate+4.04 pts vs state
5.17Rate spread (pts)+4.87 pts vs state
$65kMedian applicant income
237Loans originated
687Denied
Trend in Nevada
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,171 | 229 | 50.9% | 9.95% | #22 |
| 2024 | 1,353 | 249 | 51.5% | 10.34% | #22 |
| 2025 | 1,327 | 237 | 51.8% | 10.66% | #22 |
What 21st Mortgage lends in Nevada
By loan purpose
By loan type
Why it denied Nevada applicants
Where in Nevada
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clark County | 803 | 154 | 413 | 51.4% |
| Washoe County | 276 | 37 | 154 | 55.8% |
| Lyon County | 62 | 10 | 31 | 50.0% |
| Carson City | 53 | 9 | 26 | 49.1% |
| Elko County | 26 | 3 | 12 | 46.2% |
| Humboldt County | 25 | 12 | 11 | 44.0% |
| Nye County | 21 | 3 | 11 | 52.4% |
| Churchill County | 19 | 4 | 5 | 26.3% |
| Lander County | 16 | 3 | 7 | 43.8% |
| Storey County | 10 | 0 | 9 | 90.0% |
Other large lenders in Nevada
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 6,913 | 11.4% | 6.31% |
| Rocket Mortgage | C | 6,889 | 15.4% | 6.88% |
| Guild Mortgage | A | 5,533 | 2.6% | 6.50% |
| AMERICA FIRST Federal Credit Union | C | 3,873 | 28.6% | 7.24% |
| U.S. Bank | D | 3,745 | 40.2% | 7.65% |
| Bank of America | F | 3,296 | 35.9% | 6.24% |
| Pennymac Loan Services | C | 3,188 | 12.5% | 6.62% |
| Navy Federal Credit Union | D | 2,579 | 24.5% | 7.75% |
| Broker Solutions | D | 2,559 | 8.9% | 6.75% |
| Dhi Mortgage Company | B | 2,549 | 6.8% | 4.99% |
Frequently asked questions
Nevada: 1,327 applications in 2025, of which 237 were originated and 687 denied.
51.8% of all applications, or 73.4% of the applications it actually decided on. The Nevada statewide average across all lenders was 17.5%.
The median rate on loans 21st Mortgage originated in Nevada in 2025 was 10.66%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Nevada, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology