Commerce Home Mortgage in Nevada vs the state
7.0%Denial rate-10.49 pts vs state
10.0%Decision denial rate-12.22 pts vs state
62.6%Origination rate+4.90 pts vs state
7.06%Median rate+0.44 pts vs state
0.74Rate spread (pts)+0.45 pts vs state
$228kMedian applicant income
72Loans originated
8Denied
Trend in Nevada
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 75 | 28 | 16.0% | 7.94% | #149 |
| 2024 | 108 | 53 | 13.0% | 7.38% | #141 |
| 2025 | 115 | 72 | 7.0% | 7.06% | #137 |
What Commerce Home Mortgage lends in Nevada
By loan purpose
By loan type
Why it denied Nevada applicants
Where in Nevada
Counties with the most Commerce Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clark County | 82 | 47 | 6 | 7.3% |
| Washoe County | 20 | 16 | 1 | 5.0% |
| Carson City | 5 | 2 | 1 | 20.0% |
| Elko County | 3 | 3 | 0 | 0.0% |
| Douglas County | 3 | 3 | 0 | 0.0% |
| Lyon County | 2 | 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: 115 applications in 2025, of which 72 were originated and 8 denied.
7.0% of all applications, or 10.0% of the applications it actually decided on. The Nevada statewide average across all lenders was 17.5%.
The median rate on loans Commerce Home Mortgage originated in Nevada in 2025 was 7.06%, against a statewide median of 6.63%.
About this data. Figures are Commerce Home 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