American Pacific Mortgage in Nevada vs the state
5.9%Denial rate-11.57 pts vs state
7.7%Decision denial rate-14.55 pts vs state
70.6%Origination rate+12.88 pts vs state
6.50%Median rate-0.13 pts vs state
0.39Rate spread (pts)+0.10 pts vs state
$104kMedian applicant income
312Loans originated
26Denied
Trend in Nevada
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 495 | 314 | 6.7% | 6.75% | #51 |
| 2024 | 385 | 279 | 8.8% | 6.75% | #58 |
| 2025 | 442 | 312 | 5.9% | 6.50% | #61 |
What American Pacific Mortgage lends in Nevada
By loan purpose
By loan type
Why it denied Nevada applicants
Where in Nevada
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clark County | 238 | 140 | 24 | 10.1% |
| Humboldt County | 128 | 109 | 0 | 0.0% |
| Washoe County | 35 | 29 | 0 | 0.0% |
| Pershing County | 15 | 12 | 0 | 0.0% |
| Douglas County | 8 | 6 | 0 | 0.0% |
| Lyon County | 6 | 6 | 0 | 0.0% |
| Carson City | 4 | 3 | 1 | 25.0% |
| Nye County | 3 | 2 | 1 | 33.3% |
| Elko County | 2 | 2 | 0 | 0.0% |
| Churchill County | 1 | 1 | 0 | 0.0% |
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: 442 applications in 2025, of which 312 were originated and 26 denied.
5.9% of all applications, or 7.7% of the applications it actually decided on. The Nevada statewide average across all lenders was 17.5%.
The median rate on loans American Pacific Mortgage originated in Nevada in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are American Pacific 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