Freedom Mortgage in Nevada vs the state
6.4%Denial rate-11.02 pts vs state
10.8%Decision denial rate-11.39 pts vs state
44.3%Origination rate-13.43 pts vs state
6.13%Median rate-0.50 pts vs state
0.02Rate spread (pts)-0.27 pts vs state
$103kMedian applicant income
1,108Loans originated
161Denied
Trend in Nevada
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 680 | 315 | 12.1% | 6.75% | #40 |
| 2024 | 1,782 | 881 | 9.2% | 6.25% | #15 |
| 2025 | 2,502 | 1,108 | 6.4% | 6.13% | #11 |
What Freedom Mortgage lends in Nevada
By loan purpose
By loan type
Why it denied Nevada applicants
Where in Nevada
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clark County | 1,873 | 831 | 120 | 6.4% |
| Washoe County | 248 | 112 | 11 | 4.4% |
| Nye County | 86 | 37 | 8 | 9.3% |
| Lyon County | 66 | 26 | 5 | 7.6% |
| Elko County | 62 | 29 | 8 | 12.9% |
| Churchill County | 47 | 23 | 1 | 2.1% |
| Carson City | 31 | 12 | 1 | 3.2% |
| Humboldt County | 27 | 9 | 4 | 14.8% |
| Douglas County | 24 | 14 | 0 | 0.0% |
| White Pine County | 16 | 4 | 3 | 18.8% |
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: 2,502 applications in 2025, of which 1,108 were originated and 161 denied.
6.4% of all applications, or 10.8% of the applications it actually decided on. The Nevada statewide average across all lenders was 17.5%.
The median rate on loans Freedom Mortgage originated in Nevada in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are Freedom 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