Credit Human Federal Credit Union in Nevada vs the state
71.1%Denial rate+53.68 pts vs state
71.4%Decision denial rate+49.21 pts vs state
15.1%Origination rate-42.65 pts vs state
8.40%Median rate+1.78 pts vs state
2.57Rate spread (pts)+2.28 pts vs state
$67kMedian applicant income
36Loans originated
170Denied
Trend in Nevada
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 238 | 19 | 81.1% | 7.80% | #79 |
| 2024 | 294 | 43 | 71.4% | 8.50% | #72 |
| 2025 | 239 | 36 | 71.1% | 8.40% | #95 |
What Credit Human Federal Credit Union lends in Nevada
By loan purpose
By loan type
Why it denied Nevada applicants
Where in Nevada
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clark County | 104 | 18 | 76 | 73.1% |
| Washoe County | 67 | 7 | 52 | 77.6% |
| Lyon County | 16 | 3 | 12 | 75.0% |
| Elko County | 15 | 3 | 9 | 60.0% |
| Carson City | 13 | 2 | 7 | 53.8% |
| Douglas County | 8 | 0 | 3 | 37.5% |
| Storey County | 5 | 0 | 5 | 100.0% |
| Churchill County | 4 | 3 | 0 | 0.0% |
| Humboldt County | 2 | 0 | 2 | 100.0% |
| Pershing County | 2 | 0 | 2 | 100.0% |
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: 239 applications in 2025, of which 36 were originated and 170 denied.
71.1% of all applications, or 71.4% of the applications it actually decided on. The Nevada statewide average across all lenders was 17.5%.
The median rate on loans Credit Human Federal Credit Union originated in Nevada in 2025 was 8.40%, against a statewide median of 6.63%.
About this data. Figures are Credit Human 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