AMERICA FIRST Federal Credit Union in Nevada vs the state
28.6%Denial rate+11.18 pts vs state
30.3%Decision denial rate+8.10 pts vs state
61.8%Origination rate+4.08 pts vs state
7.24%Median rate+0.62 pts vs state
0.65Rate spread (pts)+0.36 pts vs state
$109kMedian applicant income
2,393Loans originated
1,109Denied
Trend in Nevada
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,417 | 2,149 | 26.8% | 7.74% | #6 |
| 2024 | 3,678 | 2,364 | 26.4% | 7.74% | #5 |
| 2025 | 3,873 | 2,393 | 28.6% | 7.24% | #4 |
What AMERICA FIRST Federal Credit Union lends in Nevada
By loan purpose
By loan type
Why it denied Nevada applicants
Where in Nevada
Counties with the most AMERICA FIRST Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clark County | 3,554 | 2,204 | 1,025 | 28.8% |
| Nye County | 87 | 43 | 27 | 31.0% |
| Washoe County | 79 | 48 | 23 | 29.1% |
| Lincoln County | 40 | 25 | 7 | 17.5% |
| Elko County | 34 | 23 | 9 | 26.5% |
| Lyon County | 20 | 14 | 6 | 30.0% |
| Douglas County | 16 | 12 | 2 | 12.5% |
| White Pine County | 13 | 7 | 3 | 23.1% |
| Carson City | 11 | 6 | 3 | 27.3% |
| Humboldt County | 9 | 6 | 2 | 22.2% |
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% |
| 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% |
| Freedom Mortgage | B | 2,502 | 6.4% | 6.13% |
Frequently asked questions
Nevada: 3,873 applications in 2025, of which 2,393 were originated and 1,109 denied.
28.6% of all applications, or 30.3% of the applications it actually decided on. The Nevada statewide average across all lenders was 17.5%.
The median rate on loans AMERICA FIRST Federal Credit Union originated in Nevada in 2025 was 7.24%, against a statewide median of 6.63%.
About this data. Figures are AMERICA FIRST Federal Credit Union'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