OCMBC in Nevada vs the state
12.1%Denial rate-5.34 pts vs state
15.1%Decision denial rate-7.13 pts vs state
57.1%Origination rate-0.57 pts vs state
7.00%Median rate+0.37 pts vs state
1.20Rate spread (pts)+0.91 pts vs state
$128kMedian applicant income
368Loans originated
78Denied
Trend in Nevada
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 423 | 223 | 22.0% | 7.88% | #55 |
| 2024 | 565 | 330 | 15.4% | 7.38% | #48 |
| 2025 | 644 | 368 | 12.1% | 7.00% | #44 |
What OCMBC lends in Nevada
By loan purpose
By loan type
Why it denied Nevada applicants
Where in Nevada
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clark County | 548 | 310 | 72 | 13.1% |
| Washoe County | 54 | 34 | 3 | 5.6% |
| Nye County | 10 | 6 | 1 | 10.0% |
| Douglas County | 8 | 3 | 0 | 0.0% |
| Elko County | 6 | 2 | 1 | 16.7% |
| White Pine County | 6 | 3 | 0 | 0.0% |
| Humboldt County | 5 | 5 | 0 | 0.0% |
| Carson City | 3 | 2 | 0 | 0.0% |
| Lyon County | 2 | 2 | 0 | 0.0% |
| Pershing 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: 644 applications in 2025, of which 368 were originated and 78 denied.
12.1% of all applications, or 15.1% of the applications it actually decided on. The Nevada statewide average across all lenders was 17.5%.
The median rate on loans OCMBC originated in Nevada in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are OCMBC'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