Mountain America Federal Credit Union in Nevada vs the state
41.7%Denial rate+24.22 pts vs state
50.1%Decision denial rate+27.89 pts vs state
41.0%Origination rate-16.70 pts vs state
7.49%Median rate+0.87 pts vs state
0.81Rate spread (pts)+0.52 pts vs state
$99kMedian applicant income
431Loans originated
438Denied
Trend in Nevada
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,077 | 474 | 33.2% | 8.24% | #25 |
| 2024 | 1,067 | 416 | 37.9% | 8.50% | #33 |
| 2025 | 1,051 | 431 | 41.7% | 7.49% | #31 |
What Mountain America Federal Credit Union lends in Nevada
By loan purpose
By loan type
Why it denied Nevada applicants
Where in Nevada
Counties with the most Mountain America Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clark County | 687 | 270 | 297 | 43.2% |
| Washoe County | 262 | 112 | 105 | 40.1% |
| Elko County | 22 | 12 | 6 | 27.3% |
| Nye County | 14 | 6 | 7 | 50.0% |
| Lyon County | 13 | 5 | 4 | 30.8% |
| Lincoln County | 11 | 3 | 5 | 45.5% |
| Churchill County | 9 | 5 | 3 | 33.3% |
| White Pine County | 9 | 4 | 4 | 44.4% |
| Carson City | 7 | 4 | 2 | 28.6% |
| Lander County | 4 | 2 | 2 | 50.0% |
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: 1,051 applications in 2025, of which 431 were originated and 438 denied.
41.7% of all applications, or 50.1% of the applications it actually decided on. The Nevada statewide average across all lenders was 17.5%.
The median rate on loans Mountain America Federal Credit Union originated in Nevada in 2025 was 7.49%, against a statewide median of 6.63%.
About this data. Figures are Mountain America 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